Minggu, 31 Mei 2009

Victor Or Victim - Your Choice

Right now it's tough to not feel like a victim. So many events seem to be beyond our control, and so many consequences of the decisions of others appear to have cost so many so much. It's an easy time to choose to blame others and let events just carry us along- the perfect example of a victim.

And an awful lot of people will do that, and be the poorer for it. They will stop trying to swim upstream, and instead let the current carry them where it may, and they will feel out of control and blame it on things outside themselves. They are victims of events. And victims want every one else to be a victim too - it proves they're right about their own behavior. They will have chosen to be a victim - even though most would deny it.

Others choose to be victors. Faced with the same events and circumstances and consequences and outcomes as victims, they will continue to swim upstream - possibly more slowly and with more effort, but still working their way toward their goals. They know it may take longer, it may be tougher, but they choose to stand and fight, rather than let themselves be overcome by events. They take action - sometimes actions that seem so small - but they know that only action leads to results. And in doing that they often find opportunities that they couldn't have dreamed of, but exist because of the very circumstances that turn others into victims. As Steve Schiffmann says in his book Make It Happen Before Lunch, "dwell in possibility, there is always a door somewhere waiting to be opened."

Victors are optimists, opportunists, takers of action.

I was talking to the Editor of a recently launched real estate investment magazine and she admitted the market is tough right now, and many people are holding off, sitting on cash, and taking a wait and see attitude. But others are looking for alternative forms of financing, taking advantage of what they see as bargains in the market, and continuing to work their goals. Even in what is described by the media as one of the most downtrodden of markets - real estate - littered with the failures of so many - others are working and prospering. They're victors - and they will be stronger and more successful for their efforts.

Remember the aftermath of Katrina? How some people pitched right in, started clearing brush and helping others, and doing what they could to start the process of rebuilding their lives and the lives of others. Under the most difficult of circumstances - these were people who had lost everything - they put their heads down and started with action - doing something, anything, to move forward. They're victors. I have no scientific proof, but I suspect those that showed that behavior ended up getting back on track faster, and moved forward on their life's path much more quickly than those victims who waited for help - and complained when it wasn't forthcoming as fast as they expected.

The media did a disservice in the aftermath of Katrina by focusing on the bad things - the late response, the lack of organization - and made it easier for people to be victims. After all, Anderson Cooper on CNN, among others, showed how screwed up the rescue efforts were. And how could an individual, a victim of Mother Nature and FEMA, be expected to make a difference? Many didn't feel they could make a difference, and I suspect those people may be still waiting for and expecting more help. Victims rarely win - they just serve as examples of how "they" - the system, the government, the neighbors - didn't take care of them. And a major word in the vocabulary of victims is " fair" - as if there was some obligation in life for things to be "fair" - whatever that means.

To be a victor requires courage, goals that keep victors pointed toward where they want to go, and an understanding that they may not be able to control all the things that happen to them, but they sure can choose how they deal with them. Victors keep control of their responses. They have their bad days - weeks - months - but they persist. And in doing so they win in the game of life. Regardless where you are right now, choose to grab ahold of whatever it is that you really want, set your plan to get it, and act. You'll be better for it - I guarantee it.

Kamis, 28 Mei 2009

How to Make Money Writing and Selling eBooks

Electronic books, or ebooks, are electronic versions of written material. They can contain text, sound, images. And they exist in the form of files thatcan be read Using a computer (Word documents, text files, web pages, PDF files, EXE files) or Using an ebook reader.

To write ebooks, all you have to do is figure out what you know and write as though speaking to a others. It's not all that difficult and if you have ever written an essay for a school assignment you have all the prerequisites already. You don't have to be an expert on your ebook subject, although it helps, as most information can be found online and in your local library. You don't even have to be a good writer as most word processors have grammar and spell checking tools.

Today, any type of ebook can be sold on the Internet; however, here are the most popular types with the highest levels of public demand.

"How To" ebooks Guides and manuals that explain how to do various things and how to solve different problems, like how to make money online, how to optimize website, etc.

Business ebooks: They explain how to start, finance, manage, develop or promote your online or offline business and provide tips, advice, strategies and blueprints for success.

Home / Family: These ebooks provide information for family about issues such as cooking, recipes, children and parenting, gardening, landscaping, pets, marriage, home improvement and real estate.

Computer-related: These ebooks provide tutorials and guidance on subjects like programming languages, web designing, computer hardware, graphics and more.

Money / Jobs: Ebooks in this category provide guides on topics like debt, management, education, self-employment, money making opportunities,investments, entrepreneurship, home-based businesses, finance and jobs.

Society / Culture: These ebooks category cover topics like foreign languages, politics, government, art, love life, travel, philosophy, religion, science and more.

Technical ebooks: Focus on technical topics like electronics, engineering, mechanics etc.

Fiction ebooks: Novels, short stories, poetry, romance, erotic literature, fantasy, etc.

Skill / Talent ebooks: Teach you the basics and advanced strategies of skill-related games, hobbies or sports, like chess, magic, poker, photography, golf, etc.

Health ebooks: Explain how to cure various diseases, illnesses or conditions and provide medical information and advice for improve health.

For sell your ebook, you can use affiliate network. Affiliate network is company, connecting affiliates and merchants. It is the shortest way to promote your product. You can tell the affiliate networks what price you want your new ebook sold for and what commission you want to offer your affiliates. Clickbank is a very large affiliate network. Other popular affiliate programs are Moreniche, Commission Junction, and Link share.

Senin, 25 Mei 2009

Did You Know About The IRA Rollover Frequency? (Individual Retirement Account)

According to the IRS, the IRA rollover frequency is once in any 12 month period. That's important to note, because there have been instances when investors took two rollovers and that cost them.

The laws pertaining to rollovers are a part of the IRS tax code. Rollovers are reported to the IRS. If you instigate this type of transaction, your custodian will ask if you want to send a portion of the fund to the IRS. If you don't believe that you will incur taxes, then you should be able to say, "No". But, if you don't think you can make the 60 day conversion deadline, then you should have the portion withheld.

The rules are a little different when it comes to a Roth account, since contributions to a Roth are taxed as regular income for the year they were made. In traditional accounts and 401Ks, contributions are made with pre-tax funds or else they are a legitimate tax deduction, as long as the maximum contribution limits are not exceeded.

The same IRA rollover frequency applies to any type of IRS approved account, but there is another type of transaction that has no frequency limitations. It is called a transfer.

The terms are sometimes used interchangeably, but transfers are not reported to the IRS. You could make numerous transfers if you wanted to, although the custodial companies would probably tack on some fees and penalties for early withdrawals. The best advice is to do your research ahead of time, to be sure that you will be happy with the new custodian.

To instigate a transfer, you simply need to choose a new custodian and contact them. They will have some paperwork for you and they handle the rest.

Now that you know about the IRA rollover frequency, let me give you a little advice about the kind of custodial company to choose.

Self-directed custodians offer more investment options. For example, you might be familiar with real estate investing, but have found that your custodial company does not offer the option. It's perfectly legal under the tax code, but most custodians set up mutual funds or only offer certificates of deposit.

Because of that, many people are not even aware that they can choose to invest their fund in the real estate market. Those of us that know are making more money than those that don't.

You can get into investing in real estate too. We are offering a real estate investment where your ROI is guaranteed to be at least double what you earned with your investments last year. Yes, you will double the ROI that your investments earned last year. Please check this investment out, It is your chance to laugh all the way to the bank.

So, while you are thinking about the IRA rollover frequency, think about making your money work for you. If you make the right choices, you can help other people, too.

People are struggling today. One man used his account to help a neighbor avoid foreclosure, and he made a tidy little profit for himself. There are so many things that you can do.

There are thousands of people that need affordable housing and there are only a few properties to choose from. Even though some sectors of the housing market are down, there are others that are always a sellers market, because the need for housing exceeds the supply. Hope this article helped you understand the IRA rollover frequency and gave you some new ideas. If you have a few minutes to spare, please feel free to browse through my website.

Jumat, 22 Mei 2009

Did You Know About These IRA Rollover Rules? (Individual Retirement Account)

Tax deferred IRA rollovers occur when you withdraw cash or other assets from an eligible retirement plan and contribute all or part of it within 60 days to another eligible plan. According to the Internal Revenue Service, the IRA rollover rules allow them to "waive" the 60-day rollover requirement, but you must meet additional qualifications to be eligible for the waiver.

From time to time, the IRS has extended the 60-day requirement for IRA rollovers. For example, the aftermath of Hurricane Katrina left some tax-payers in a difficult situation. Not only would the hurricane have made persons eligible for the waiver, if a person needed to make use of the fund for as long as three years, as part of the recovery effort, they would have been allowed to eventually return it to another eligible account without penalty.

The IRS' IRA rollover rules are not typically that lenient. Only one roll-over is allowed within a 12 month period. Investors that have broken that rule have ended up paying taxes on the entire value of the fund. There are alternative transactions that are less risky.

Under the IRA rollover rules, all roll-over checks must be reported to the IRS by the current custodial company. On the other hand, a transaction called a transfer (sometimes referred to as a direct roll-over) is not reported to the IRS. There is no frequency limitation on a transfer, but transferring the fund several times can be costly, as custodial companies charge fees for early withdrawals and conversions. Plus, you never know which assets are transferrable and which must be liquidated. Liquidating a stock holding, right now, is not a good idea. You'll lock in a loss that right now exists only on paper.

If you make less than $100,000, you can use IRA rollovers to convert from a traditional to a Roth account, but you would have to pay income taxes on any funds that were made using pre-tax money. Maximum earnings are different for couples and the cap will be lifted completely in 2010, unless the law changes.

People are sometimes interested in converting to a Roth because qualified distributions are never taxed. There are other advantages, as well.

Under the IRA rollover rules, you could also switch to self-directing. Self-directing offers more investment options, some of which offer much higher returns than the traditional stocks, bonds and bank CDs. At the moment we are offering a real estate investment where you can double your ROI, indeed you can at least double the ROI that you earned last year, and that is guaranteed. Please check this investment out for yourself.

If you do take IRA rollovers, you'll have lots of cash in the account and it's a good time to look around and see what choices are out there. One good choice exists in the housing market. Affordable housing is more difficult than ever to find.

During the bubble, investors and builders provided housing for those that could afford a home in the $250,000+ range. In many areas, there is nothing lower priced.

Under the IRA rollover rules, you can use the account to invest in real estate. You just have to follow a few other rules. Learn them and follow them. That should be all that you need to know about IRA rollovers, but you need to learn more about the real estate market. If you have a couple of minutes to spare, please feel free to visit my website.

Selasa, 19 Mei 2009

High Paying Work at Home Jobs

Where to find High paying work at home jobs starts with searching online and looking at telework, freelance, telecommute, type positons that allow you to work anywhere on your computer or laptop. Some sites that have these type of positions listed are the job boards and biding sites as well as free directories and forums.

One of the main questions many ask who want to work from home is how much can I earn and where are the high paying work at home jobs. Firs of all I usually find out what type of work do they have experience in see it is important to note that if you know nothing about a particular expertise than more than likely you will not make much money at it. Some may allow you to learn and get some type of training in it like for instance when it comes to being a paralegal many can get an online degree in the area of law and helping those who need legal documents prepared and reviewed before they submit them to the courts, another place that pays high salary is immigration paralegals which offers a one day training just like a Notary Public does not require more than an 8 hour training and due to the electronic signature and many transactions can now be done online.

Other areas that are high paying is copywriting, those who can write good ad copy is in demand, since many are now selling their own ebooks they need good landing pages and sales pages to grab the attention of the readers and get conversations which means more sales. If you are good at writing sales letters then you will earn up to $100 dollars per article.

Bloggers now earn higher income per post, depending on what niche or topic area for corporations, news or politics, especially technology and topics that require continued new updates and trends. Technical writers earn high salaries due to the need to write instructional manuals and detailed information on technical subjects. Medical terminology and medical writers are in demand due to the increasing need for readers to diagnose and find out symptoms, cures and treatment for the many diseases and health issues today.

Web researchers who can find hard to find items can expect a high paying job working from home, are you good at finding information and compiling data on various subjects, if so then many websites will need the content that you provide.

Food critics, movie critics and book reviewers have the opportunity to do the job they love while they write about it and send them in to be published online or in magazines. Great writers can include photos, interviews, audio and maps to provide a whole experience to those who need the get all their senses involved from visual, touch, hearing, smell and taste.

Proofreaders get to look over manuscripts and read novels before they are published this is a key way for authors to make the revisions they need to make in a short amount of time. So if you are able to write scripts for film and edit the content you are on your way to starting a high paying freelance work at home position.

High paying call center positions that allow you to work from home answering calls and providing customer service, home agents are in demand and are needed to collect customer information help them with their online purchases. All that is needed to start working as a home agent is to get a headset and have a fast internet connection, a quiet place to work and a place to document all calls and gather customer information. Most of these positions pay by the hour and offer incentives and bonuses. Some of the companies hiring are West at Home, Jet Blue, Alpine Acess, Onpoint and many more.

Home based travel agents are needed to book travel vacations and flight arrangements for those who are looking for discounts on cruises, customer service agents will continue to grow and the demand is high for those who are qualified and can offer reliable service.

High paying jobs working from home include being a virtual assistant as well as providing assistance to real estate agents and busy business professionals. More and more internet businesses will need assistance with their content and will pay high wages to get it done.

Sabtu, 16 Mei 2009

Work from Home to Enjoy Innumerable Benefits

Though it's not always an easy task, there are many good reasons to work from home. With so many online opportunities, you can now find the work from home dream job that's right for you by simply surfing websites from your own home computer. You can start your own business, make money online with affiliate marketing by promoting others' businesses, or sign on with a membership site to mentor you as you earn money online. If you love typing or data entry, there are legitimate jobs for doing data entry at home. You just have to know where to look and be wary of scams.

Setting Your Own Hours

One benefit you'll enjoy when working from home is flexible hours. This doesn't necessarily mean you can work whenever and however much you want. If you've been around a while, you probably understand that success comes only after hard work. If you only work an hour a day, then expect about an hour's worth of success.

What "flexible hours" does mean is that you can set your own hours unless you have a work at home job that's time sensitive. If you sign on for a data entry job with a company that expects you to work during set hours, such as from 9:00 to 5:00 each day, then you'll be required to work during those hours. But with non-traditional, work from home data entry jobs, you can plan to work four to six hours per day (give or take) at your own discretion. You'll be able to work those hours at a time of day when it's most convenient for you.

Some home business owners prefer to work early in the morning while others enjoy working at night. You might even prefer to work third shift. It's up to you to decide what hours will work best for you and your family.

Find the Job You Love

Another benefit of finding a work from home job online is you can choose a job you love. If you enjoy knitting and want to sell your own handmade quilts online, there's definitely a market for it. If you can make decorative candles, this can be a wonderful niche for Internet business. If you love to buy and sell auction items, the auctions on the Web are thriving. You can even offer a professional service online such as consulting, accounting, bookkeeping, web design, real estate, writing, etc. There's also a vast need for typists and data entry workers, affiliate marketers, and online salespeople.

Think of the skills you can offer and how you would like to use those skills in a home business. Then search for opportunities that require your skills to narrow your potential work from home jobs.

Other benefits of working from home include freedom to take vacations when you want, ability to be home with family (great for stay-home moms or dads), tax deductions for a home business, and a high earning potential.

If you're new to the home business world, find a mentor that can carry you through the learning process of working from home. There are companies that will help you get started with a free home business, whether you want to find a job doing data entry at home or you want to offer your services directly to companies or consumers. With a mentor, your investment will be minimal as you search for the Internet business that will make your dreams come true!

Rabu, 13 Mei 2009

A Forex Program Designed for a Trouble-Free Process of Profitably Entering the Currency Markets

The Foreign Exchange Markets (Forex or FX) can be a relatively intimidating place to start investing looking in from the outside. Actually, trading currency for a profit is much simpler than trading stocks, investing in real estate or opening you own business. It also provides another significant advantage over the alternatives to wealth building mentioned above, which is your funds can be increased far quicker than any of those methods with considerably less risk. The article below is designed to provide a few Forex programs that are very easy to follow and guarantee very nice returns on your investments with very little risk.

The first Forex programs I will discuss are the currency mentoring programs instructed by professional FX traders. These provide an easy way to learn Forex trading from the ground floor up. You will receive one on one training by a currency professional trader where you will have the opportunity to ask questions on any thing you don't understand in the teaching materials they provide. Next, you will also have one on one trading sessions with the professionals where you are permitted to use your own funds. These are fantastic money making opportunities where you really are just increasing you bank account based on the amount you choose to invest.

My personal favorite program allows you to have the same portfolio as the professional teaching the class in real time. This particular program cost one hundred and fifty dollars a month and again, depending on the amount you choose to invest the profits could literally be in the tens of thousand, if not the hundreds of thousand. This Forex mentoring program offers a very easy way to get into the currency markets with virtually no risk and a sure opportunity of making profits if you follow the professional's advice explicitly.

Another favorite of mine is instructed by a self taught guru who is an extremely wealthy private investor. His method is preposterously easy to understand, implement and follow daily. He teaches you to trade only one currency, at one time of day and only if one indicator is sending a signal that indicates you should make a trade. This technique has been proven to be extremely profitable for a substantial period and his followers swear by him and his approach.

There you have it; two very easy to learn Forex programs that allow you to enter the markets with little or no risk and come away a big winner. Nothing could be easier, if you are willing to invest in your future and education. This has always been proven to be the best investment a person can make and then you will be a capital gains making monster.

Selasa, 05 Mei 2009

Quality of Life

Looking back on life, in those moments when you ask the big question: "What's it all about?" it's funny how that answer changes. Early on it was probably all about that new bike for Christmas. If you could get so and so to go out with you. How many beers you can drink in one night. Being a friend. Being a spouse. Being a parent. Saving mankind...etc...

I think that it comes down to Quality of life all along. What that new bike would do for your quality of life. What being with so and so, or how many beers, would do for your quality of life. Therefore, I thought it was worth writing an article about Quality of Life through Real Estate. Since most peoples largest financial decision, and the place they will experience all these other events as time passes, involves Real Estate, why not think about how it will impact your Quality of Life.

Based on the title of this article, let's start with that... What Quality of Life do you want? A relative of mine is a good example. Her and her husband asked me about a couple homes they were looking to buy in Northern California. We grew up there, and this relative had strong ties to San Carlos. They had just gotten married and thought the next step was to buy a home. One of the first questions I asked her was, "How do you two want to spend the next 5, 10 and 20 years of your life?" She replied, "I'd like to travel and enjoy a simple life." I asked, "Can you do that if you buy a home for this price in this area. Will you have the money and time to travel?" Her answer was a simple"No". "Then, you should probably talk this through and look at different options" I told her. Sure enough I got a call a few weeks later they decided to look at homes up in the Napa Valley area. There, they could get more home for a lower price, be closer to activities they enjoy, still be close to their work in S.F., and in a community they felt offered a better quality of life. Months later now, I have received dozens of Thank You's.... they love their life in Napa Valley all because they took some time to really look at how they want to live. And yes, they get to travel...

When I work with clients in Corona Del Mar and Newport Coast it is easy to see why they choose to live here. The same reason I choose to live in this area. We have great weather, great shopping, restaurants, marina's and of course...the Beaches and Ocean. It all comes down to quality of live. We have to pay the higher prices to enjoy this quality of life, but we gladly make that sacrifice for each day we look out at the Ocean and dream. For each moment watching the boats sail by. For each day we can still BBQ in December. For our amazing quality of life.

If you are looking to move to Corona Del Mar or Newport Coast, or are ready to make a home change, take a moment to think about how you want to live. Do you want to have an up close ocean view property in Corona Del Mar? Do you prefer to have a larger lot and want to sit up on a hill in Newport Coast and look out over the greater coastline? Is your budget set for a nice condo in Corona Del Mar village area, where you can walk to shops and other destinations? How much energy and time do you want to spend working in a yard or on a home? This area has so much diversity to offer, it can make purchasing Real Estate even more frightful. Take your time and ask yourself, "How do I want to live? Where do I see myself in 5, 10 and 20 years?" Then, make sure your agent is on board with your goals and get out there and look at all of the great Real Estate this area has to offer... with prices the way the are... now is a great time to take advantage and get that home in Corona Del Mar or Newport Coast