Month: June 2022

LADIES FALL FASHIONS

Posted on by imgenerationx

What is the best online clothing store for women?

What are the names of some women’s clothing brands?

What are the most popular women’s clothing stores?

What are the top online shopping sites for women?

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When it comes to dressing up for fall, regional climate is something you need to put under serious consideration. For gorgeous beauties hailing from Far East, the fall season isn’t as crazy different than the summers for the most part.

Still, featuring the stunning super model Bella Hadid dressed up as an enchanting Arabian princess on the special fall issue of Harper’s magazine, made quite a bold statement about the changing trends of eastern fashion.

3 EASY WAYS TO BUILD WEALTH —FIRST TIME HOMEBUYER, REAL ESTATE INVESTOR, FLIPPING HOUSE.

Posted on by imgenerationx

STARTING A BUSINESS

STEP # 3 — Goal setting

First time home buyer, real estate investor, flipping houses.

All three have one thing in common–WEALTH BUILDING –. Posted below are
several books that covers the subjects.

Giving insights into how to get started and be successful in Real Estate.

All three requires:

Subject areas requires some general knowledge.

I would highly recommend reading beginners books on each topic.

Real Estate have a few subjects matters that every one should understand.

In real estate their is the possibility to purchase property with no money down.
Lots of investor have been successful doing just that.

Additional income from a steady source will let you sleep
a lot better.

SUMMER TRAVEL OVER — GAS PRICES DOWN — TIME TO VACATION ON A FRUGAL BUDGET — EVERYONE BACK TO WORK SO THE BEACH, PARKS, THE HIGHWAY IS ALL YOURS

Posted on by imgenerationx

How to select a vacation?

How to choose your vacation destination?

How do you select your travel destinations?

How to choose a safe travel destination?

IT’S TIME TO SELECT A VACATION PLACE WHERE YOU WOULD LIKE TO TRAVEL

TO ON AN AFFORDABLE BUDGET. I PERSONALLY PREFER CONDOS ON THE BEACH.

EMERALD GREEN WATERS OF THE FLORIDA PANHANDLE OR WHAT ABOUT THE

BLUE WATERS OF THE CARRIBEAN. THE COAST OF CALIFORNIA WITH IT WONDERFUL

BUDGET MINDED. DEFINITELY SHOPPING THE INTERNET FOR BARGAINS, OWNING

A TIMESHARE OR A FEW. TRAVELING OUT OF

SEASONS, BEFORE OF AFTER HOLIDAYS

BARGAINS RATE CAN BE EASILY FOUND. DON’T FORGET REVIEWS ON SITES, WITH

VACATIONS ADS

Continue reading “SUMMER TRAVEL OVER — GAS PRICES DOWN — TIME TO VACATION ON A FRUGAL BUDGET — EVERYONE BACK TO WORK SO THE BEACH, PARKS, THE HIGHWAY IS ALL YOURS”

BUYING A BEACH FRONT ROPERTY OR A VACATION VILLA

Posted on by imgenerationx

Buying a beach front property or a vacation villa may be easy for rich and wealthy but not for common middle class people.

he introduction of timeshare concept gave hope to those people who could not afford to buy a brand new vacation home.

That is one of the reasons why the timeshare industry has grown by leaps and bounds ever since its inception in the United States.

One of the aspects of a timeshare property that attracts most people is that they can have a wonderful vacation home without having to worry about its upkeep and maintenance.

But at the same time people have many misconceptions about timeshares. One of the biggest misconceptions is that they compare timeshares to regular real estate property and consider it as an investment option.

But in fact it should be thought as an investment in your dreams i.e. vacationing at a place where you want to go every year.

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Investing in real estate could reap profitable returns but if you invest in a timeshare it may not be guarantee in fact you may end up losing money.

But what if you still want to buy it and you expect no profit from it but neither loss also at the same time. There is always one question in the minds of those people who are planning to buy timeshares.

Is it really worth buying a timeshare? To answer this question you have to go through an analysis of various factors.

An analysis should consider factors like comparable rent of alternative accommodation, appreciation of the timeshare property and your finance rate. How do you do it? Here is a simple calculation.

Consider the worth of your investment as profitability. The profitability should be a measure of the comparable rental rate, rate of appreciation and your finance rate.

If the sum of all these is a negative number then, assume that you are losing money in your investment. The rental rate is the ratio of the rent of that vacation property to the buying price of that timeshare.

Suppose if corresponding rent of that vacation timeshare is $1,000 and the buying price is $10,000 then the rental rate is 10%. Now if we include the annual maintenance cost, membership and all other miscellaneous expenses, if it comes around $500.

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So the actual saving in rent will be $500 now and the rental rate will be the ratio of $500 to $10,000 which gives us 5%.

Now if we assume the annual appreciation of that property is 10% and the rate of our finances is 16%.

If we add rental rate and appreciation and subtract the finance rate you will end up with a negative percentage which means you are losing 1% every year compared to rent.

But this formula is only a rough calculation of the profitable of your investment and may not be accurate. This is just to give you a start up. The depreciation rate may vary and so as the finance rates.

The maintenance fees and other fees may also vary with different locations.

Some resorts have charge reasonable maintenance fee and other fees but some exorbitantly high fees.

So, this is also should be a factor in deciding which resort to choose, it is not a smart idea to pay unusually high fees when you don’t know whether you can utilize the property year after year and you may think of renting out the unit which is not a profitable proposition too.

Another good idea is to add up the cost of your timeshare for the entire year i.e. all fifty two weeks and see. For the above investment it may be around 520,000.

But, does the timeshare property cost that much if somebody wants to buy it as a real estate property. The extra money goes into the pockets of real estate developers who are selling the timeshare.

So carefully weigh in all the factors discussed above before buying a timeshare property.

If you assume that all Timeshare Condos consist of 2, 3, 4 bedrooms units, your
assumption is wrong.

Their are studios, l bedroom units, and units that have
separate bedroom with no door (privacy). By calling the resort you can be clear on
what your condo unit consist of.

Also, other questions like activites, area eating
places, car rental can be answer. This is for the beginner travel

SAVING 35% — CUTTING DEBT 35% — EARNING 35%

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SAVING 35% — CUTTING DEBT 35% — EARNING 35%

BEFORE THE PANDEMIC CORONAVIRUS COVID – 19 CRISIS THE SAVING RATE WAS LESS
THAN 10% FOR THE AVERAGE AMERICIAN.  SOME ARE SAVING MORE AND SOME LESS.

AS FOR DEBT, THE FEDERAL RESERVE, THE FEDERAL GOVERNMENT AND CORPORATE AMERICA
IS OUT OF CONTROL. DEBT DEBT AND MORE DEBT.

STARTING A HOMEBASED BUSINESS IS THE SOLUTION TO EARNING AN ADDITIONAL 35%.
TO AVOID THE HIGH INFLATION CUTTING SPENDING IS A SOLUTION ALSO.

THE MORE ANYONE HAVE THE BETTER OFF EVERYONE IS. IT IS ALL POSSIBLE FOR
ANYONE. LOT’S OF BOOKS GIVE ANYONE WHO CAN READ, OR EVEN LISTEN TO AUDIO
BOOKS CAN ACHEIVE WEALTH

IT IS NOT DIFFICULT. IT IS JUST TRYING TO ACHEIVE THIS AND MAKE SMALL STEPS.
BUILD OVER TIME ON YOUR SMALL ACHEIVEMENTS, IT HAS WORKED FOR MILLIONS
AND CAN WORK FOR YOU.

VALUE OF CUTTING SPENDING DISPOSAL INCOME

Your disposable income is necessary if you want to decrease payments to your creditors when you can no longer afford the common contractual payments.

Debt management companies use your disposable to work out what you can sincerely afford to repay your creditor commitments.

Below we have explained how to work out your disposable income for yourself should you need to reduce your debts without contacting a debt management company – that being said we would imagine a debt management company would get a better response from your creditors as they are under no obligation to accept any new payment arrangements and putting this to them through a debt management company will normally yield better results.

Work out your income.

You will need to work out your income on a monthly basis as most creditors will prefer to have regular monthly payments.

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The basic to working out your income is not to take the lowest or highest amounts you might get each month but relatively an average of what your normal takes home pay would be.

This can be easily done by adding up your last 6 or 12 wage slips and diving the total by the number of wage slips you added together. For example, if you added together your take-home pay for the last six months you would divide the total amount by 6 to give a normal monthly average of your take-home.
Work out your committed outgoings

Your committed outgoings are what you need to pay each month. With things like your phone bill or water bill which you may be paying quarterly simply divide your normal quarterly bill by 4 to get a monthly allowance.

After you have added all these together, which will ensure you, have made allowances for the essential living costs we can deduct this from your monthly take-home pay. What’s left is your disposable income and is what you can genuinely afford to pay your creditors. MAKE MONEY NOW

What amount of my disposable income should my creditors get?

Your disposable income should be spread around your creditors on the basis that whoever you owe the most to get paid the most. This is normally referred to as payment pro-rata, which can be worked.

Owing to a total of 10,000 to 3 creditors with a disposable income of 200 Creditor A 5,000 Creditor B 3,000 Creditor C 2,000a Total owed 10,000

First, we need to work out what percentage of the total debts you owe to each creditor. To do this you would simply take the amount owed to the creditor, divide by the total owed nd multiply by 100.

Creditor A= 5,000 ÷ 10,000 (total owed) * 100 = 50% Creditor B= 3,000 ÷ 10,000 (total owed) * 100 = 30% Creditor C= 2,000 ÷ 10,000 (total owed) * 100 = 20% We then apply these percentages to your disposable income as follows.

Disposable income is 200

• Creditor A 200 ÷ 100 * 50 = £100
• Creditor B 200 ÷ 100 * 30 = £60

Doing things this way means each creditor would receive a payment based on the percentage of how much you owe them and how much you can afford to pay which is the fairest way of spreading your disposable income around your creditors.

WHY CUT SPENDING NOW??? (INFLATION)

Posted on by imgenerationx

U.S. inflation rate for 2022 was 8.00%, a 3.3% increase from 2021. U.S.

inflation rate for 2021 was 4.70%, a 3.46% increase from 2020.

Why cut spending now??? Inflation is above 8% and climbing. The Federal Reserve
has raised interest rate in an effort to slow the economy and bring inflation
under control. If the Federal Reserve succeed then products you plan to purchase
now will be cheaper.
Why cut spending now??? Budgeting/Budget is another way to fight inflation. Monitoring
where your money going/controlling expenses is another way to fight inflation.
Caution rather than a great regret in this inflation crisis.
Keep in mind the Federal Reserve policies will take time to get inflation under
control. In the meantime start your own financial control plan.Ecommerce Marketing Automation