Sunday, December 7, 2008

Wholesale Video Games Online Business - 2009 Predictions!

The first semester of 2008 the wholesale selling of wholesale video games and wholesale merchandise online felt the hit of a slower spending spree online. By the second semester of 2008 in particular, starting late August the turbulent drama of the economy in the US hit boiling time and consumer spending was much less online.

However, as new election and as new changes start to arrive since November 4th there have been a steady increase in consumer spending as far online marketing sales go as gas prices help bring more confidence to the feared phenomena of what was a very slow economy. What could we expect for 2009 as far online selling, particularly for e-commerce wholesale merchandise being sold across the net?

Greater and bigger spending as new prices in fossil fuel prices keep getting steady and lowered at a slow pace. Furthermore, since Obama has won the elections and the new positive image of change has been filtered from poor and middle class mindsets spending and getting in debt will increase at a steady pace and the economy will start recovering slowly.

While it is a false economy fixing allurement that a presidential candidate working the problems of many people like you and me in the United States will bring more confidence into spending - while a complete oxymoron statement to think that the government dream team will fix any financial problem a family may have - it should very likely by statistics and financial logics open the opportunity to more local spending and even more online consumer purchases since on the internet is also a medium for saving money and acquiring the benefit of a commodity.

Therefore, it should be a win-win possibility when taking action in the correct online business steps if you are already self-motivated to do so. If you are not self-motivated already to start a new business in 2009 this whole article would do no good as nobody can motivate you as an American to do something you don't want to do.

What does this mean to you the wholesale video games merchandise seller for the next months? It means more sales as starting tax cuts incentives are likely given by Obama's new team and more confidence is injected into the economy through lowered priced fuel and retail prices continue to get lower in order to increase sales both offline and online.

This also means that if you are planning to start your business anytime soon, now is the time to start your very own online store selling accessories, games and a range of high ticket items. Reality being, neither Obama or the government will fix your family financial current state or make you financial fit through incentives or cutting you taxes if happen to earn less than $150,000-$250,000 a year.

You will be responsible for your financial well being, your retirement and having good nest eggs for when the time to truly retire comes you can do some comfortably. While Obama was a favorite for many of us, neither he nor any other next President will provide you the freedom of living like a small percentage in the US do so, it would all be up to you.

2009 looks to be a very exciting year for those deciding to commit to new business ventures or growing current businesses even if recession comes with a stamp and a label according to logics and financial books. Whatever you end up doing whether it would be selling wholesale video games merchandise or not, consider planning to start with your own venture or looking for options to get out of the rat race if you happen to be in one as soon as possible.

Spending should increase in the next months and more money will be in pockets for those who decide to start a business when taking the correct actions, mainly, thanks to the consistent decreases in fossil fuels prices, to the new confidence this market behavior ignites and thanks to the powerful self-motivated work in many called change. It will depend on your actions and once again, not on what the government might help through incentives. The options are everywhere.

Finding Wholesale Video Games online is one of the business components Joaquin serves as reference source, e-commerce coach and certified author. His focus today is assisting people receive extra income through the acquirement of in-demand Wholesale Merchandise

Very Hard to Swallow, That Property Tax Increase, What to Do?

Of all the taxes we have to pay in this great country we live in, the Property taxes are probably the hardest to swallow on a year in year out basis. These along with all the other taxes put on the home owner make it hard to afford an expensive house. It gets worse as we become older and start getting close to retirement age. For instance we are living in a $150k home that we purchased 15 years ago. Husband and wife were both working at high paying jobs.

By now, fifteen years later the county has raised the tax assessment to near double the purchase price. Maybe more than $300k plus and the Property taxes are more than double. Now what do we do. Our children are all married and on their own, except the grand kids love to come and visit.

The place is so much nicer than what the kids can afford. The pool is still so very nice and yep it now costs $200 per month to maintain rather than the $75 per month when you first bought the place.

Now comes the really big problem, when you purchased the home the taxes were about $1800 per year, this only raised your monthly payment by $150 per month. Now 15 years later your taxes have increased to about $5000.00 maybe more and $375 to $500 added to you payment each month.

How can this be, you were able to make your payment with no problem when you first purchased the property. Your income was on the increase and you had no problems at all with it.

Now what has happened? Your income is starting to drop a good bit, as you or your wife have retired. Everything has gone up and your property taxes have almost tripled. How can you afford the property now? You must face the truth, you can no longer afford your beloved home.

So now your faced with one of two choices, sell the property and find something cheaper, or refinance the property in order to be able to keep living there. Such is the pitiful regression that property taxes bring upon us. Even though we could not afford to buy the property now, they still increase our taxes annually this is the consequences of the property tax quagmire we all have to suffer through.

Property taxes are based on these two factors: assessed value and mill rate. The value of the property should be about 80 to 85 percent of the tax assessment. Or meaning to say at least in a vast majority of areas, if the property is assessed at 100000.00 the millage rate will be taken from the 80 per cent value. This is not set in concrete but should be very close. The two items. appraisal and millage go together to determine the taxable amount.

Most state governments established millage rates years ago. Most all were established using a millage rate. When initially established the millage rates had a cap of maybe 6 to 10 mills and according to the initial laws laid down at the time and the only way the politicians could get the rates voted in was by putting a cap or limit on the millage rates. Most state laws require a constitutional amendment in order to change the cap. So most of the states had millage rates somewhere in the middle or center of the millage cap,

Then along came 9/11/01, at that time the federal authorities cut most of its state funding or revenue sharing (as it was called at the time) programs, some were cut in half some by twenty five percent and a lot were cut completely. So now the states lost all of this money and what happened? Should not have to say it! Here comes the county and city governments, who all of a sudden lost 50 to 60 per cent of their revenue sharing funds and some or all of their federal grant funds.

So what happened at the time? Of course due to the federal governments justifiable huge expenditures on the war on terror, City and County governments had no choice but to raise property taxes, or cut back, way back on new schools, and everything else. A large part of these governments are now running just about on the limit of their constitutionally allowed millage rate.

In many states if not most, the property taxes increased dramatically, some more than doubled. In others the taxing authorities are fighting very hard for a constitutional amendments in order to raise the millage rate. All kinds of shenanigans usually goes on to get this done.

In conclusion, you need to look around in your area and determine how many other houses are from about the same plan as your home, construction wise. If there are several and all look about the same, go to the tax appraisers office and pull the appraisals on the ones you believe to be similar to your home. If there are big differences find out why?

You can investigate this on your on. When you have done a good investigation and you find things that are not as they should be, then is the time to confront the tax appraiser. Just be careful and do not step on too many toes during you investigation. Would be bad to get an unnecessary tax increase.

Visit Jimmy Woodalls Property Taxes Website and see many additional articles as well as several news and video feeds on the subject At: http://www.jwoodl.com/property-taxes , hopefully will be much help to you. If you happen to be into Affiliate marketing are maybe you are considering giving it a try visit : http://freegiveaways.jwoodl.com/index.html get your three mktg eBooks there NO OBLIGATION

Jimmy Woodall - EzineArticles Expert Author

How to Avoid an IRS Income Tax Audit

What is an audit and why do individuals cringe at the word? The Internal Revenue Service issues audits as a regulatory measure to ensure that society is completing accurate tax returns. Sometimes they are issued simply to check on something that seems awkward or you might get picked for an audit simply because your number was picked. Avoiding an audit or decreasing your chance for an audit is quite easy.

First to avoid tax deductions, claim tax deductions that you are legally entitled to. If there are items that you are not sure about consult a tax attorney or tax professional - get legal advice about what specific deductions you are able to claim. If you do not have documentation to verify the claim of a deduction it is probably not a grand idea to go ahead and make the claim. Submitting documentation along with your return will assist in preventing red flags and avoiding tax audits.

The discrimination index function is a computer ran program that aids the Internal Revenue Service. Basically, your tax return is compared to the tax returns in the same income bracket. If any deductions or claims seem outrageous compared to others in your tax bracket - your tax return might be flagged for an audit. To help in avoiding a tax audit keep honest on your tax return and do not exaggerate any numbers. When ran through the discrimination index function you want your return to show up normal comparisons.

There are many things you can do to avoid tax audits. For example, first and foremost, keep track of all of your income. Keep copies of your W2's and 1099 forms, all receipts and any financial information that is relevant to the information submitted on the tax return. Keep all of this information organized, categorized and separated into specific years. Also, if you had help in preparing your return keep track of the contact information of the preparer that assisted you on the tax return. All of these above mentioned tips might not completely help you to avoid a tax audit but would surely be of help if you were chosen for an audit.

If you claim deductions instead of taking the standard deduction, any itemized listings that are exceptionally high for your income range might alert your return for an audit. To avoid a tax audit, keep honest and accurate with all of your charitable contributions especially. For example, please do not state that you have contributed $15,000 to a special organization if your annual income is only $35,000. This is not an action that someone would take it they are trying to avoid a tax audit.

It you are an owner or partner in a small business it would be in your best interest to try and avoid a tax audit. Filing a schedule C, which is required of small businesses, is tricky and complicated. If you are unfamiliar with taxes you should consult a tax attorney or tax professional. Avoiding a tax audit if you are a small business is almost next to impossible. The Internal Revenue Service is fairly certain mainly self-employed individuals try to hide or not report some of their income - this makes small business owners a target for tax audits.

Along the same lines of being self-employed, many individuals that receive a portion or all of their money in cash profits are a target for tax audits as well. To help avoid tax audits, be sure to keep all records of income either in a log book or computer program. Remember to report all income to the Internal Revenue Service and if your income is not currently taxed be sure to pay estimated taxes. These are also easy ways to avoid a tax audit.

If you are divorced both parties of the divorces wave a red flag for a tax audit the first few years. Be sure that you and your ex-spouse know which individual is claiming any dependent/s in the relationship. A child can only be claimed by one parent or the other. Many divorced couples work out a situation as to where the claiming years alternate. Also, if you are not in constant contact with your ex-spouse - be sure around tax season each individual knows who is claiming the dependent/s.

If you hold money or investments in off-shore or foreign accounts it is your responsibility to report the money produced and pay the appropriate taxes required for the funds. Holding off-shore accounts is legal but the taxes must be paid on them. If an individual does not report this off-shore income for any reason at all, criminal punishment can result.

The bottom line in avoiding a tax audit is simply being honest, accurate and filing in a timely manner. Keep organized and consult professional assistance whenever needed, especially if you have a specifically difficult filing situation.

Lydia Sweet is a contributing tax preparation expert for http://www.taxadvisr.com and has been working in the tax preparation field for 13 years. taxadvisr.com is a resource site for those preparing their federal and state income tax returns. Free E-File software, discussions, articles, reviews, forms and more can be found at http://www.taxadvisr.com

Saturday, December 6, 2008

Lose Weight by Purging Clutter

Clear the clutter if you are trying to lose weight. What does throwing away junk have to do with weight loss? Your physical living and working space are a reflection of your state of mind. Purge your space and the fat will disappear too.

The possessions cluttering your space are similar to the fat on your body. Any clutter and disorganization in your life will sabotage the lifestyle changes you are working so hard to adopt to lose weight. Wouldn't it be so calming to come home to a clean, organized, clutter-free home?

We often acquire physical possessions to substitute for unmet emotional needs . Is going to the mall a regular family outing? No doubt including a stop at the Food Court.

Do you really need or want all that stuff cluttering your space and closets? In these difficult economic times wouldn't you rather see your bank account grow? And your credit card balances shrink along with your waistline?

Purge Every Room

Start naturally with the kitchen . Do you really need all of those gadgets on your countertop? Wouldn't it be better to have plenty of space for preparing food? Strive for a pantry stocked with healthy foods that are easily located for any recipe. An organized refrigerator full of colorful fresh fruits and vegetables. A comfortable, uncluttered eating area. Imagine how you will look forward to preparing and consuming healthy food in this environment!

Next is your bedroom . Purge your bedroom and make it the sanctuary you deserve. It should be the room where your relationship thrives. A peaceful retreat, conducive to restful sleep and relaxing baths. Purging your bedroom space may even liven up your sex life!

Attack your closets. You are never going to wear those shoes with the broken heel. Or the ugly sweater you got from your Mom for Christmas. Do you really need all those suits now that your workplace has gone business casual?

What about the 20 tacky T-shirts from various vacation spots that seemed like "got to have" souvenirs at the time?

Purging your bedroom means being realistic about getting rid of clothes holding you back from reaching your weight loss goals. Dump the "fat" clothes and dump the weight.

Give them all away. It will be liberating. And you'll get a tax deduction too!

Don't just purge your closets until they are not overflowing. Leave empty space for the new clothes you will be buying to fit your slim new body. Realize this will not be easy. But the old clothes are not helping. They are inhibiting the lifestyle changes that you need to make to lose weight permanently.

What about the family room ? This is where your family gathers to watch TV, play games, or read together. By decluttering the family room you make these activities more enjoyable and spontaneous.

The living room should be your special area for guests. Imagine how much fuller your life would be if you could invite friends and loved ones over on the spur of the moment without stressing about where you will entertain them.

Can you actually fit your cars in the garage ? If you can, congratulations - you are in the minority. If not, wouldn't it be so much better to use the garage to neatly store your sports equipment, bicycles, gardening supplies, and power tools. Imagine how much easier it would be to play catch with your kids or plant some new flowers if everything was in easy reach and in workable condition.

Some people get very emotional during this process. Take that as a sign that you are purging your home of emotional baggage.

After the Purge

Congratulate yourself when you are finished decluttering. Get out a couple of scented candles and take a hot, relaxing bath. Visualize how much calmer your mornings will be now that you can easily put together outfits that fit and look great on you.

Celebrate this achievement as the "turning over a new leaf" that it is. Now you can replace the time you formerly spent shopping for more stuff with other activities that fit in with your new healthy lifestyle and quest to lose weight for life.

How about taking a walk with your spouse? Or helping your kids with a school project? Or calling that old friend you've been meaning to catch up with? Or making a shopping list of the healthy foods you need to fill those blank spaces in your pantry and refrigerator? Or preparing a colorful healthy meal?

I bet you feel less fat already, certainly less cluttered, and maybe you were so enthused you even forgot to snack!

by Diane Gilabert
http://www.lose-weight-for-life.com
Your site for permanent Weight Loss and vibrant Health.

Diane Gilabert - EzineArticles Expert Author

Web-Based Retailers Save Money With Online Postage Software

Small ecommerce businesses are feeling the economic crunch like everyone else these days. In these tough economic times, it's more important than ever before to economize wherever possible. Laying off employees is the last thing that any responsible business owner wants to do - and for entrepreneurs or small web-based retailers who ARE the entirety of the company, "lay off" can easily translate to "out of business."

One potential revenue sink often overlooked is the inefficient way many small web-based retailers still ship their merchandise - using physical postage or postage meters to label their parcels before shipping. There is a better alternative, one that will save your business both time and money, each important for the bottom line - online postage software, also known as PC Postage.

Ship your orders - without standing in long lines at the Post Office One of the most time-and-money-consuming chores of a web-based retailer is order fulfillment - the physical shipping of your merchandise. Not too long ago, that meant long, time-consuming trips to the Post Office to buy postage for each and every package - a strain on the gas tank, on the wallet and on the back! And that was time that could have been put to more productive use building your website, making deals for new merchandise or keeping ahead of financial issues.

Or, it meant leasing or buying a meter - an inefficient, bulky machine that had to have postage bought in large blocks (with hefty fees tacked on by the meter company) -- for anywhere from $20 to $80 a month, not including the regular outlay of as much as $80 for a refill of the special proprietary ink the meter uses.

With PC Postage, small-scale web-based retailers now have a flexible third option to ship packages - buy postage online, in the quantity YOU need, not what the meter company dictates, and print it out right on the spot using most leading laserjet, inkjet or thermal printers. With gas hovering around $3.50 a gallon, just the savings on those trips to the Post Office will make PC Postage pay for itself in short order.

Deep discounts on Express Mail and Priority Mail - only through PC Postage Everybody loves saving money - finding a bargain deal appeals to human nature. In these times, bargains can also be the difference between in the black or the red. The USPS has authorized sizable discounts off the usual retail postage on two of their most popular mail classes for PC Postage customers: a 3% discount on Express Mail and up to a formidable 11% on Priority Mail service when you buy postage online. You can only get these great postage discounts through PC Postage - you'll end up paying the full retail price at the post office counter.

PC Postage allows you to hide the postage amount. Obviously, you want your customers to focus on how good your product is, not how much it cost to ship. Yet, the cost of materials and labor are not insignificant to a small business, and they have to be recouped. Still, customers can get irate at the idea that they're subsidizing "shipping and handling" charges above and beyond the cost of their purchase. With most PC Postage vendors, you can short-circuit this process by requesting that the postage amount be suppressed on the shipping label. The customer need never know how much you paid in postage - yet both you and the USPS will know, as the postage is encoded into the scatter code on the label. This saves you or your customer service team time spent handling complaints, and money in lost sales from angry customers. Not to mention the savings in aspirin from the averted headaches that either brings...

PC Postage provides detailed postage reporting Once tax season rolls around (as Ben Franklin said it must), you're looking for any deduction you can use to save some money from the clutches of the IRS. Of course, that postage you bought is a business expense, and a fairly hefty one that could save you a fair amount of cash. But how do you prove that you spent as much as you claim you did? With physical postage and meters, you need to be sure you have the receipts saved somewhere - and as we all know, small pieces of paper have a irritating habit of disappearing right when you need them the most.

Not so with PC Postage - all your transactions are stored on your computer in a secure file, ready for you to view at your (or your accountant's) leisure.

And, further, with most of the leading PC Postage clients, you can assign tracking codes to individuals, tracking their postage spending to reduce wastage and potential misuse of your company's precious postage. Most applications allow you to assign as many as 50 discrete codes to track postage by department or even individual employee if need be.

About the Author

Patrick Payne has been employed with Stamps.com since 2005, focusing his attention on postage solutions and small business productivity. Stamps.com is an online postage software that allows you to buy and print USPS-approved postage straight from your computer and printer. With over 400,000 monthly subscribers, the company is the leading provider of Internet-based postage solutions. Visit us at http://www.stamps.com

Self Directed IRA Real Estate Investments - 7 Points You Need to Know

Self directed IRA real estate investments make good sense. Not everyone has them, because not everyone is aware it is possible to have them. If your financial advisers only advise you to put your IRA money into stocks and bonds you may not know anything about self directed IRA real estate.

You may be someone who doesn't have the time to spend educating yourself on other areas that the IRS allows you to invest your tax-free or tax deferred retirement funds. In this short article you can learn a few things about investing your IRA money in real estate.

There are seven points you need to know when considering self directed IRA real estate. They are listed below:

1) Your IRA cannot purchase property that is already owned by you or a disqualified person. A disqualified person is your spouse, parents, grandparents or great grandparents, children and their spouses, grand children and great grand children and their spouses. There are a few others, which you can find in IRS Code Section 4975.

2) You or any disqualified person from list above, cannot receive indirect benefits from property owned by your IRA, such as taking a vacation in resort property or renting office space in commercial property your self directed IRA owns.

3) Your IRA needs to be tiled in the name of the IRA, not in your personal name.

4) The real estate in an IRA doesn't have to be 100% funded from your IRA. You can partner with a friend or family member. For example you found property for your self directed IRA real estate account that you need $100,000 in order to purchase it, but your IRA account only has $25,000. Your friend could provide the other $75,000. Your friend would own 75% of the property and your IRA would own 25%.

5) If your self directed IRA uses financing to purchase real estate, the loan must be non-recourse, and your IRA must pay unrelated business income tax or UBIT.

6) All expenses, such as maintenance, improvements, property taxes, and any other expenditures the property in the self directed IRA real estate requires, must be paid from the IRA. No personal funds may be used for any expenses.

7) All income from the IRA must also go back into the IRA account. You may not deposit any money, such as rental income into your personal account.

You will need a self directed IRA custodian to fill out all the paperwork required by the IRS. He or she will be very familiar with each of the points above. Don't let the details deter you from looking into self directed IRA real estate investments.

There are companies out there that can help you through the entire process, even the most important part of finding the right properties to bring you great returns. You can find your own properties, but unless you have lots of experience and you are handy at the fix ups that many properties will need, your best bet is to leave that part to the professionals.

Check out my web site to find out reputable people who have the experience and can help you earn great profits with your IRA money.

Robert Ruby invests in Real Estate and researches the best way to find capital for his investments. He buys property with no money down, and also uses the assets in his 401K and IRA accounts to invest in Real Estate. Go to his website at http://www.increase-ira-returns.com/ to find out more about a company that has proven itself over and over again to help grow wealth. Or go to his website at http://www.buying-cashflowing-realestate.com/ for info about credit investing.

How Prepared Are You For Home Ownership?

The current housing market has drawn the attention of many people both in the United States and around the world. Everything that occurs has a trickle down effect across the marketplace, in real estate and out. With the increasing number of foreclosures, now is the best time to evaluate where you stand and if you are really financially prepared to handle the responsibility associated with home ownership. Currently to address this situation, Freddie Mac has created guidelines that are intended to assist in determining individual ability to purchase a home, as well as maintain it.

The most obvious indicator is the purchase price of the home. Being that the vast majority of homeowners will require a mortgage for the purchase, make sure you have a steady income that has been established for a length of time. The responsible lenders will want this cornerstone prior to allowing a contract. This assures the company that you as the purchaser will have the income to pay the mortgage, interest and escrow payments for personal property taxes. Additionally the lenders are aware that the closing costs can add up rapidly. These costs include the down payment, financing fees, title search (to assure the title is clean of leans and ownership), additional costs may be applied at this time based upon agreement reached during negotiations. With this as the opening to home ownership, the responsible mortgage lenders will assure you have a positive fiscal history established, both for your benefit and theirs.

Ownership of a house often requires lifestyle changes such as fewer nights out, less expensive vacations, and perhaps a simple location change of your grocery purchases. This is minor compared to the cost of heating and cooling your home, running your appliances in the kitchen and elsewhere, the use of water, and at your pleasure, furnishing the home. Additionally the budget may require some strict tweaking to assure that you are able to afford maintenance costs for the home, and emergency expenses. Many financial experts such as Clark Howard recommend putting aside at least 50 dollars a month for the possibilities of emergencies.

Although much of the costs adding up as they do seem or appear intimidating, there are many long run home ownership advantages. The biggest one on the list is the fact the home is yours instead of some one else's. As your home grows in age, it is always likely the value will increase, particularly if you stay up with the maintenance. Monthly savings is always another advantage. More often then not the cost of your mortgage will be less than your monthly rent in a comparable home. It is typically a tax advantage as well, as the interest on most mortgages is tax deductible under the current tax program. Lets not forget that this wonderful asset is you corner of the 'American Dream' and a home you will enjoy for years to come.

Catrina Rudd is a dedicated professional writer with The Writing Network. If you would like to see more work completed by fantastic writers, examine http://www.affinityproperties.com/wordpress - should you require quality and unique content for your website, you can place an order at catrina1@thewritingmom.com

How to Write a Resignation Letter - With Confidence!

When people are leaving a company or a position, often they are not sure how to write a resignation letter. Here are a few quick tips, and an example to help you.

1. A resignation letter follows the standard format and conventions of business and formal letters more generally.
2. Write in a similar way to how you'd write other formal correspondence, for example in the way you might write to your attorney.
3. It's great to add a touch of sincerity, if you can. Make sure it's genuine, and don't go overboard. A very brief heartfelt and positive comment is great (but if it's not sincere, just leave it out!)

Here is an example of a good, professional resignation letter:

[Date]

[Your Address]

[Recipient's Address]

Re: Notice of Resignation

Dear [Recipient's name],

Please accept this letter as notice of my resignation from my position at Level Production Company as Systems Analyst. With two weeks notice as specified in my contract, this means my final working day will be April 6, 2006.

After a lot of thought, I have decided it is time for a change in my career, and I have accepted a position with another company outside of Portland.

You will have my full cooperation in the next two weeks with handing over duties smoothly, and training a successor if required.

Thank you for the opportunities you've given me during my time with the business. I appreciate the insight this role has given me into the consumer data industry. Being part of the team that created the user interface for LPC's first venture into consumer analytics has been a highlight for me.

I want to wish you and the team the very best for the future.

Sincerely,

[Your name]

That's it! These are the basic guidelines for writing a great resignation letter.

Piers Murray is the author of the Right Resignation ebook - the web's definitive guide to writing resignation letters.

To receive the full guidebook, including 24 fully-formatted resignation letter templates, for *FREE* by immediate download, please visit: http://www.writeresignation.com/htwarl.html

Foreclosure Auction - The Untold 3 Guides to Win the Bid

Auction is the stage of the foreclosure home process when the pre-foreclosure phrase has ended. Lenders will bring the title of the foreclosed home for auction and looking for new owner. The purpose of the lenders putting the property on auction is to recapture the losses that the previous owner caused. There is only business in auction. People bid and the highest bid win the home.

To win in an auction, you must have understood the process of a auction. In most of the cases, lenders are the first mortgage holder of the home. Thus, the fund collected from auction has to first give to the lenders. Once the first mortgage holder has been satisfied, any extra funds will be used to settle any other remaining obligations. Then only the funds will be disbursed to the foreclosure homeowner if there are any remain.

1) Foreclosure Home Title Research
Who don't want to make money if there are chances? To make money through buying foreclosure home in auctions, there are a few preparations you must do. If you are seeing a foreclosure, you must first do a title research on it. The goal of doing the title research is to determine all the liens or judgments against the property. These can include civil lawsuit judgments, unpaid personal property taxes and state and federal tax liens. This is because if you got the hammer knock on the house, you will be granted the title subjected to all liens and encumbrances. If you misjudge the hidden liens, there will be extra costs in your planning.

2) Getting Finance
Secondly, after doing the research and info collections, you need to be ready with financing. This is because in order to bid in auction, you need cash or cash equivalent to show you're affordable to participate in auction. They will record your cash amount and that will be your limit to bid. If your bid exceeds the limit, your bid will be counted as invalid. Besides, when you present the winning bid, you will need to pay a 5-10% deposit on the spot as the conclusion of the auction while the balance of the purchase price due within a few days. You will need financing to back you up immediately.

3) Psychology Preparation
Thirdly, the psychology preparation you need is to get yourself used to the auction environment. It's recommended that you attend the auction for a few times before making the first bid. This act will help you to get comfortable with the auction process and give you confident. Auction is very intense during the process. People will easily get controlled by the intense environment and get high in auction. This is always the cause of mistakes. For foreclosure home, if your bid exceeds the value of the house, you will earn nothing though you've won the auction. Thus, you have to set a bottom line in your bidding and stick to it. Most importantly, stay firm with your bottom line in auction and don't easily get affected by the intense environment there.

Buying a foreclosure real estate in auction could really be a great bargain. Because a home is being sold based on the balance of the loan but not on the market value. That means a foreclosure home is more profitable if the differences between the balance of the loan and market value is huge. If you are a home buyer, u save money; if you are an investor, you make money when reselling the foreclosure home with market value. Either way, to enjoy the profit from foreclosure home, you need to first start your research now.

Shawn is a writer and webmaster. Visit his buying foreclosure site to learn more on real estate listings

How to Take a Tax Free IRA Rollover

Here's some information about how to take a tax free IRA rollover. If you only know part of the story, you can end up damaging the tax-sheltered status of the account. The IRS can actually access taxes on all of the holdings within the account. Mistakes can be very costly, but they are easily avoidable.

At the time of this writing, retirement account holders are in enough trouble, because of tumbling stock values. They don't need to end up paying unnecessary taxes, as well. The best way to avoid them is to make a transfer rather than trying to take a free IRA rollover. Although the terms are sometimes used interchangeably, rollovers and transfers are different transactions.

In order to transfer the fund, you would need to find your new custodial company ahead of time. You could start now, after you read this article, by comparing the fees that they charge and the services that they offer. You might be surprised how the costs and the investment options vary. Many people are used to having their investments confined to the stock market or mutual funds, which is the primary reason that would-be retirees have lost so much money over the last year.

With a truly self-directed account, your fund can be invested in real estate and other options that are not affected by the volatility of the stock market. Once you find your new custodian, you can advise them that you want to transfer the funds from your current custodian. The transaction is not reported to the IRS and will not incur taxes.

But, perhaps you want to take your time. You can take one tax free IRA rollover within a 12 month period. Not once per calendar year, as some people mistakenly believe. You simply notify your current custodian that you are ready to make a change. They are required to notify the IRS. They'll liquidate the holdings within the account and send you a check. You have 60 days to redeposit the check into another IRS approved retirement, without incurring taxes.

Exceptions are sometimes made to the 60 day rule. For example, during the aftermath of Hurricane Katrina, people were allowed to use their retirement savings for emergency purposes without penalty. The IRS gave those people an extended period of time to either return the funds to the account or include the amount used in their earnings for that year. But, generally speaking, you need to adhere to the rule, if you don't want to pay unnecessary taxes.

If you are about to take a free IRA rollover, now is the time to consider other investment options. Even before the recent stock market problems, the average account holder was earning less than 10% per year. You can earn a lot more in the real estate market. You just need a little time and a little education. There are even groups that will do all of the work for you. Whether you decide to take your one free IRA rollover this year or transfer the fund, learning about opportunities in the housing market is well worth your time.

Gordon Hall is an active participant of a national network of professional writers, who advocate socially conscious real estate investing, through the use of retirement vehicles such as IRAs, 401Ks and other retirement assets. For more information, or to get involved, please visit the following http://www.double-your-ira.com

Time Management - What Did You Do Before?

Many times my clients tell me that they don't have time to develop relationships with others. When I ask them to identify the things that "steal" their time, they are often at a loss for words. Others indicate that they don't have time for themselves but just don't know "where the time goes".

This week I challenge you to consider what you did before:

· Computers and email
· Driving children to activities replaced walking
· You took that new job
· Cell phones
· Your family purchased a "bigger" house
· Emergency rooms were full
· Fundraising was required to support schools
· You started caring for a sick relative
· Preparing your Income tax became so complex
· 24 hour television
· You could afford season tickets for events
· Work shifts expanded to 12 hours
· Video stores
· The Children were born
· You were elected to the Board
· The credit card balances were so high
· Family members lived in different cities
· You raised your housekeeping standards
· The family had more than one vehicle
· Companies sent out so much reading material

We live in a world where there will always be needs to fill and demands on our time. Protecting time for self-care or relationship building takes deliberate effort.

Scheduling appointments with your partner or children not only ensures that you will have time together but also gives a strong message to the other person that they are important to you.

When I grew up, for example, we all knew that Saturday was "date night" for our parents. They ensured that despite their very busy lives, they would carve out a space to enjoy and grow their partnership.

Our behaviours tend to reflect our values. If a stranger came into your life and started observing your behaviours, what would that person learn about you?

Make sure the things and people you value most get priority status.

Oh, and don't forget to schedule in some time for you!

Dr. Linda Hancock is a Registered Psychologist and Registered Social Worker who has a private practice in Medicine Hat. She can be reached at 403-529-6877 or through email linda@drlindahancock.com

You are also invited to visit http://www.lindahancockspeaks.com to receive a complimentary copy of "10 Steps to Making Your Life an Adventure".

Linda Hancock - EzineArticles Expert Author

How to Find Your First Job As an Attorney

One of the hardest stages of your legal career occurs about a month after you take the bar exam. If you are like most young attorneys, you will not have a job lined up at this point. If you have a job with a large firm lined up, that's great. I presume that you do not, though, so keep reading.

It is especially hard to convince an organization to hire you when it is not certain that you have even passed the bar exam. For this reason, many attorneys start their careers as temporary or contract attorneys. Some attorneys find jobs unrelated to law in the private sector, others go to work for the government, and some remain unemployed for several months while looking for a job.

If you have been unemployed for a few months and still have not had anything beyond a first-round interview, do not despair. Law firms are notoriously slow when it comes to hiring people. The key to getting a job is to be patient but persistent. That is, make contact with several people at the firm at least once every two weeks. This could be via an e-mail or a short phone call. Let them know that you are still interested in working at their firm, and tell them what you have been doing in the meantime.

Sending out resumes and interviewing at small and mid-sized law firms is time consuming if done properly. It is not a full-time job, though, as you should be able to take care of all your applications and research in about 20 to 30 hours per week. The way you spend the rest of your time is very important, as it is a great way to distinguish yourself from other applicants. Think about it - if you were a partner at a small law firm who had to choose which one of seven qualified applicants to hire, would you pick someone who looked for jobs on the internet all day, or someone who attended lectures on current developments in the law and wrote a monthly column for a local newspaper? Obviously, the more active and engaged applicant is more appealing.

Here is a list of recommended activities to do while you look for a law job:

1) Attend lectures on law, business, politics, and current events

2) Write for a newspaper, magazine, or website

3) Volunteer and pro bono legal work

4) Networking events

5) Stay in contact with your law professors

6) Tutor students for the LSAT

The more of these activities that you do, the faster you are likely to find a job. What all of these activities have in common is that they force you to contact other people. Even if you do them every day, though, it could still take three to six months to find a job. Do not get discouraged. You will get a job offer eventually.

Finding a law job is a bit like fishing. You could catch a fish during your first five minutes on the lake, or it could take all day. Regardless of how long it takes, keep working at it and eventually you will find a job.

Attend Lectures

In most cities across the United States, lectures on many subjects are free and open to the public. You can probably find lectures on just about every subject, especially if you live in a large city, but focus on law, business, politics, and current events.

The most immediate benefit of attending a lecture is the information that you learn from the speaker. It is always good to know what is happening in the areas of law, business, politics, and current events. Also, knowing current trends can help you to identify organizations that are more likely to be hiring attorneys. Sending targeted resumes to firms, companies, and other organizations that have just recently identified a need for more attorneys on their staff is likely to result in a job offer. In a competitive job market, being one of the first people to apply for a job is crucial.

Another benefit of going to lectures is meeting other people who attend them. The people who go to lectures tend to be professionals who work in related fields. Try to talk to as many people as you can both before and after the event. Exchange business cards if you can, but also ask the people what other lectures and events they attend, and if they belong to any clubs. As you get to know people, they can introduce you to other professionals in the field. At future events, you will already know a few people there and they should introduce you to more people. Let them know that you are an attorney who is looking for a job, and they might give you some good ideas about where to apply. If you are lucky, one of the people who you meet will be in charge of hiring attorneys at an organization.

Whenever you attend a lecture, try to briefly meet the speaker. Follow up with the speaker soon after the lecture. I usually send a short e-mail the next day, simply stating that I enjoyed the lecture and hope to attend future events at which they will be speaking. The speaker will usually appreciate your compliment, and may invite you to their next lecture or place you on their mailing list. At the next event, make it a point to talk to the speaker after the lecture. Let them know that you are an attorney who is looking for a job, and see if they have any suggestions on where to apply or if they know an organization that is currently hiring.

When you attend lectures, keep in mind that not only law firms hire attorneys. Banks, corporations, political organizations, non-profits, and media companies all employee significant numbers of attorneys. That is why I recommend attending lectures on law, business, politics, and current events.

Write for a Newspaper, Magazine, or Website

Writing is a key skill for any attorney. You probably spent a lot of time in law school learning how to become a better writer. Do not let your writing skills get rusty while you are looking for a job.

One of the best ways to ensure that you are regularly writing and keeping in shape is to become a columnist. Many small magazines and newspapers have columns that appear once a week or once a month. Depending on the publication, these columns could be on a variety of subjects including law, politics, hiking, gardening, sports, etc. Find a subject that interests you, and look for an opportunity to write an article about it. Contact several newspapers, magazines, and websites to see if they are interested in having an occasional article on your subject.

One of the best subjects that you can write about is law, but unfortunately the demand for legal columns is not very high. Just about any subject will be fine, but law, business, and other professional subjects are preferred.

The reason that I recommend writing a monthly column is because it only requires about one quarter of the time commitment of a weekly column. Unless you have been offered a significant amount of money to write a weekly column, you do not want to spend too much time writing articles and not looking for a job.

Most newspapers and magazines will pay you for writing a monthly column, but websites typically do not. Compensation for articles varies greatly, but expect to earn about $100 to $200 per article, depending on the length. Remember that your primary goal in writing a monthly column is not to earn money. It is more important to practice your writing skills, develop impressive writing samples, and have an interesting activity to talk about during job interviews.

Soon after I graduated from law school, I was fortunate enough to find a newspaper in New York City that was looking for an attorney to write a monthly column about current developments in real estate law. The newspaper published my name and contact information at the end of each article. My published columns helped me to get some new clients, and they are also excellent writing samples when I apply for a job.

Volunteer and Pro Bono Legal Work

One of the best ways to improve your skills as an attorney is to work on active cases. Of course it is preferable to get paid for legal work, but while you are looking for a job, you can get some excellent experience by working on cases for free.

Handling a pro bono case gives you an opportunity to apply everything that you learned in law school to a real case. The actual practice of law tends to be very different than what you studied in law school. It is best to work on a couple of cases in different areas at first. When you a find an area that you like, specialize in it and get as much experience as you can.

You do not have to limit your volunteer work to pro bono legal cases. Many large non-profit organizations have many volunteers but also employ attorneys. Actively volunteering shows that you are ambitious and care about your community. When you show up for a project, this is your chance to show the organization that you are a good worker who is capable of handling difficult projects. Do as much challenging work as you can. If the first tasks that you are assigned to seem menial, do not worry. Most of the time, the organization is testing you to see what type of worker you are. If you handle your first tasks well, you should get to work on more interesting and difficult matters in the future.

The first pro bono case that I ever worked on involved a poor woman who was being illegally pursued by a collections agency. Working with a friend who is also an attorney, we were successfully able to get the collections agency to drop the case. I was encouraged by this, and began working on more cases. When I eventually decided to start my own law practice, I already had experience managing and handling real legal cases, and I had the self confidence that comes from winning a case.

I have also done volunteer work for the American Red Cross. They were kind enough to write a great letter of recommendation for me. Most employers that I have showed the letter to were very impressed.

Part-time volunteer and pro bono legal work is an excellent way to build your resume, gain experience, and contribute to worthy causes in your community while you are looking for a job.

Networking Events

Attending networking events while you are looking for a job is obviously a good idea. Attending the right types of events and getting the most out of them is more difficult.

There are many different types of networking events. I have attended networking events sponsored by bar associations, law firms, universities, social clubs, corporations, political organizations, music groups, restaurants, non-profit organizations, and even public libraries. As a general rule, you never know how good an event is going to be until you attend it. For this reason, I recommend attending as many events as you can.

Before going to a networking event, learn as much as you can about the group sponsoring it. Also, read the news related to the group and its field. For example, if an event is being sponsored by a financial company, you should know what has been happening in the stock market, the state of the economy, any notable mergers and acquisitions, current market forecasts, and how the sponsoring financial company has been performing. Being knowledgeable about current events will enable you to comfortably talk to people who work in the industry, and there is nothing more embarrassing than being the only person in the room who has not heard a major piece of news.

Bring several of your business cards to any networking event. Your cards should be accessible, and be ready to give one to anyone who asks for a card. Randomly going through your pockets or handbag looking for a business card is unprofessional and makes you look disorganized. Also, keep any business cards that you receive in the same place. I was once at an event where someone mistakenly handed me a card that they had received five minutes earlier from someone else! Again, you want to appear organized. Personally, I keep a stack of my business cards in my front right pocket, and place any cards that I receive in the left inside pocket of my jacket.

When you arrive at a networking event, be outgoing and approach people. Politely introduce yourself and ask people about their jobs. Unlike other events, networking events are designed specifically to be an opportunity to get to know people in a certain area. Keep you conversations short and professional, and meet as many people as you can. I always try to arrive early so that I can introduce myself to people soon after they arrive. Depending on the size of an event, you may not be able to meet everyone but try to exchange cards with many people.

If I know that a networking event is going to be very large and well-attended by people who I want to meet, I usually invite a friend. Rather than walking around the room with my friend, I recommend that we split up and talk to different people. About 45 minutes later, I briefly talk to my friend and we exchange information on who we have met so far. If there is anyone who is an especially good contact, then I make it a point to talk to that person before the event is over. At the end of the event, my friend and I exchange the contact information of all the people who we met. There is nothing wrong with sending someone an e-mail saying "A friend of mine met you at the event yesterday, but unfortunately I did not get a chance to introduce myself. I understand that you are an attorney in the field of..." Try to arrange a meeting with anyone who could provide job leads for you.

Following up is just as important as meeting people at a networking event. It is unlikely that someone you meet at a networking event will offer you a job on the spot. The next day, send a short e-mail to all of the people you met. Say that it was nice to meet them and comment on something that you talked about. For example, if you discussed entertainment law during the event, then say that you enjoyed the discussion and would like to learn more about what they think of the music industry. If possibly, schedule a time during the next two weeks to have coffee with the person. Keep the meeting short, and be prepared to tell the person a little bit about your experience and what types of jobs interest you.

Also, ask people if they can put you in contact with other attorneys. This is an easy way to meet new people who could be valuable contacts. Start by sending the person a short e-mail saying that you were referred to them by their friend. Never attach a resume to an introductory e-mail. Get to know the person and let them know that you are looking for a job. If the person knows of a job opening, then they will ask you for a copy of your resume.

This sounds like a simple way to meet new people and increase the list of contacts who could refer job openings to you, but you would be surprised how few people actually do it. By following up with people, you will distinguish yourself as someone who is interested in a field and committed to finding a job.

Networking events are a good way to increase your number of professional contacts, and you should attend as many as you can while you are looking for a job.

Stay in Contact with Your Law Professors

If you are like most law school graduates, then you have not seen any of your law professors since you took your last final exam. Most law professors worked in private practice or for the government at some point during their careers, though, and it is likely that they still have some good connections. It always surprises me that more people do not stay in contact with their law professors, especially when they are looking for a job.

I recommend keeping in touch with at least one professor in every area of law that interests you. Send each professor a friendly e-mail at least 3 or 4 times a year. Ask about current developments in their field of law and mention any important cases that you have seen in the news. You should maintain a friendly dialogue via e-mails or the occasional phone call. Do not constantly ask a professor if they have heard of any job openings. Instead, ask them for advice about where you can look. Also, if a law professor knows anyone who is currently working at an organization that interests you, request the person's contact information so that you can contact them.

If you receive someone's contact information from a law professor, call the person and ask if they have 10 minutes to talk to you. Keep your initial conversation to about 10 minutes. Ask the person about current trends in their field, and see if the person knows of any job openings. If they do, then contact the appropriate person. If they do not, though, then thank the person for their time and follow up with them a few weeks later. Things change quickly in the legal world, and a law firm or government agency that was not hiring at all two months ago may suddenly need several new people. They key here is to be persistent and maintain regular contact with people in the field.

If you have completely lost touch with your law professors and are quite certain that they do not know who you are, then try to find an opportunity to see them in person. For example, at my law school there is a dinner and auction for charity every spring. Most of my former law professors attend this event. I always bring plenty of business cards, and some of my law professors have even referred clients to me after getting re-acquainted and learning about what I do.

Regardless of the size of your law school, most students do not maintain any contact with their law professors after graduation. By making even a small effort to stay in touch, you will distinguish yourself as an ambitious and outgoing person. This will impress your professors, and they can help with your job search.

For these reasons, you should stay in contact with your law professors, especially if you are looking for a job.

Tutor Students for the LSAT

The most obvious benefit of tutoring is the money. LSAT tutors are generally well compensated, and the hours are usually flexible. Tutoring students for the LSAT is a good way to earn a little extra money while you are looking for a job.

The way I see it, though, the key benefit to LSAT tutoring is the contacts that you can make. Think about it. Who hires an LSAT tutor? Mainly students who are either in college or have recently graduated. Many of these students have parents who are attorneys. Sometimes, the person hiring the tutor is a middle-aged attorney with a son or daughter who is struggling to get into law school. Either way, many of your students will have at least one attorney in the family.

As you work with your student and prepare them for the LSAT, you will slowly gain their trust. Keep in touch with the student after they take the LSAT, and follow up with them to see how they scored. If you build a good professional relationship with the student, they are likely to take an interest in your career.

See if you can meet with any attorneys that your student knows. Personal referrals, regardless of who they come from, are a good way to get an interview or at least a preliminary meeting with an attorney. If you did a good job preparing the student for the LSAT, this will show that you are a competent and diligent worker.

The more students that you tutor for the LSAT, the more contacts you can make. Try to limit your meetings with any one student to once or twice a week. That way you will have more time to take on more students.

Best of luck!

For more information about finding a job as an attorney, visit http://www.lawcareeradvice.com

Friday, December 5, 2008

Top 5 Things You Should Expect From Quality Foreclosure Listings

There is no doubt on the amount of information that can be obtained from the foreclosure listings. They provide such clear and detailed information that one can easily find a house of one's choice. However, there is some minimum info that foreclosure listings must have to call it a quality listing. Usually the they will have a small column on property summary and 5 main categories in the listings. Here are some brief examples on what you should look for in quality listings.

Property Details

This listings category lets you know the price, type of house, amount of bedrooms, toilets, and floors. Also includes the size and total square feet of the house. This will help you identifying the physical structures of the house you whether it matches your needs.

Foreclosure Information

This foreclosure listings category provides information on the status of the house, delinquent amount, loan balance and original loan amount of the property. With these, you will get to know your affordability and whether it's a bargain comparing to market price or not.

Neighborhood Information

This category roughly reviews to us the neighborhood's median house value, population, average age of the people there, ethnicity, education index and details and crime index in the neighborhood.

Sales Information

Sale information provide information on the date of sales that had happened and the price. And some brief sales history.

Tax Information

While this category is about information on the assessor's parcel number, county, zoning, latest assessed year, land value, improvements and total assessed value of the property. Well, a deeper learning on your most wanted house.

Last but not least, the foreclosure listings also provide information on the owner and lender's contact for interested buyers to contact and deal with them on the property. With this, it would be clear enough for you to identify a good listings provider. You could also learn more about how to buy a foreclosure in this homes listing website.

Real estate listings is nothing but a tool to help you in real estate investment. With well organized and massive data, you save time and money. Take advantage of the foreclosure listing free trial now. You could enjoy up to 7 days of free service.

Are Foreclosures Equal to Recession Or Chances to Invest?

When mentioning foreclosure, people can be categorized into 2 groups. One is the group of people who are experiencing or stopping foreclosure, the other group is those who take foreclosure as the best opportunity to do real estate investment.

For both groups of people, I am rest assured that all understand the scary and saddening part of foreclosing process. It is so cruel and real. People lose their home overnight due to their imbalance financial status. Houses will be repossessed as collateral and will be sold to public to gain back the money.

Though cruel and scary, the foreclosure activities are still growing rapidly across the country. People are panic over this scenario and start thinking on the bad side of economy. Recession is happening. But do people ever think from the other point of view that this might be a good chance for investment? Foreclosures are flooding the market and many good deals could be found in the big pool actually. The key thing in this scenario is how you identify the good deal.

This is where real estate listings get into the picture. Foreclosure listings which serve as the medium in collecting all the details of foreclosed properties are most of the time the favorite tool of investor in researching foreclosed houses. Foreclosure listings which content of the details of a property could be helpful in knowing about the tax history, exact location, loan information and etc. Without going to court house or banks, you can access the information for a minimum surcharge.

It involves skill too in identifying a good deal in foreclosure listings. Usually people will search a property in a wider scoop first. Example searching property in a state first, then city and then scale down your scoop to street name. A foreclosure with good location is where the good deal is.

A good deal in foreclosure often provides you more than 35% of margin. Foreclosures are sold based on the remaining loan amount rather than the market price. Therefore, this is another consideration point in picking up a property. Try to find houses with lower debts owed.

Of cause there are more theories about the foreclosure investments. But be rest assured it will be easy to learn about the investment if you could try out. Read more in the internet for free information and then start signing up one or 2 free trial of the real estate listings later on. You will get the feel of investing in foreclosure but do not get your head too hot as foreclosure investment does involve risk too. If you could make it for the investment, foreclosure will not be recession to you. Instead, a new stream of pipeline awaits you. Is foreclosure recession or a chance to invest? It varies people from people.

Foreclosure real estate could earn you millions if you do it correctly. Foreclosure listing is nothing but a tool to serve you that purpose. With well organized and massive data, you save time and money. Take advantage of the free foreclosure listings free trial now. You could enjoy up to 7 days of free service.

The Renegade RN

Renegade is defined as one who rejects a cause, a deserter. One who rebels, deserting your duty to a cause or leader or a principle. I like this choice of definition because it speaks to what I am about right now--my cause, the principle. Yeah, this one describes the Renegade RN. You see, I have not deserted the RN profession. I have merely deserted the principle of working as a RN, the principle of trading wages for hours. Leverage is the way to go. Working and living smarter are leveraging your time and efforts. I have deserted the principle of working hard and keeping less of what I earned. It's not merely how much you earn that counts, it's how much you KEEP.

I have changed my identifier from RN to Renegade RN. I am a self-claimed Renegade RN...I am giving myself this title. I bet you are wondering what is this all about. Well I am a trained, licensed RN--registered nurse. However, over the past year and a half I have placed that career on hold to pursue one in network marketing. More specifically, Internet network marketing. Having this career now has changed my life...thus creating a Renegade RN mentality in me. Just know that this is not a bad thing. I will always be a RN, but now I can consult, provide care on a level as a hobby. We always enjoy hobbies...so helping the sick without the need to exchange that care for wages has quite a different twist. I appeal to all my fellow RNs that know what I am talking about to read on and decide if becoming a Renegade RN is for you, too.

You ask why. I love nursing and helping the sick. However, my specialty in that field had taken its toll on my body and mind. You see I worked 12 hour-shifts at night. Three - four days a week, I spent 16 waking hours per day to accomplish my roll in this career. This included preparation for work, driving to and from work (in Atlanta, GA's worse traffic) and the balance time 12-13 hours caring for critically ill patients. After this each day, I was faced with trying to rest (sleep) during daylight hours in a noisy outside environment. Vehicles passing on the street, workers around me completing lawn care, voices of persons outside, keeping an ear out for an Alzheimer's stricken parent living in my home in my care over the past three and one-half years, and driving this parent to medical appointments. (Caring for this parent, was the primary reason why I needed to work the evening shift.) Thriving on less than five hours of sleep--I thought to myself there has got to be a better way. No patient deserves a tired, broken down care taker, and no person deserves to be tired and broken down from seeking a wage.

Then one day an acquaintance introduced me to owning a home-based, Internet-based business in the travel industry. The first introduction of this business was quite appealing because, I really needed a vacation. So the concept of saving on my travel and possibly having my leisure travel become a tax deduction was extremely appealing. I had no idea about the network marketing aspect of this type of business. In fact, I had no idea really of what all this network marketing business was about. I attended a company sponsored all day training and suddenly the light bulb came on. This is it! This is something I can do that can change my career...my life. So up to this point, network marketing has replaced my RN wages. Now I am officially a Renegade RN.

This Renegade RN now works from home. I work from my home office (which is now a tax write off), provide the care my ill parent needs and wake up when I am done sleeping. Traffic...what traffic? There are no traffic jams between my bedroom and my home office. High gas prices? Really, I hadn't noticed. Most of my gas mileage are tax deductible. Why?...because this Renegade RN has a home-based business that is promoted and exposed each time I leave my home. That rate is $.585 per mile. This reduces the price of the gasoline on a personal level.

Jacquelyn is an excited RN turned MLMer. Energetic, enthusiatic and dedicated to helping others grow their MLM businesses using proven internet marketing systems. Are traditional network marketing techniques working for you? If not, then plunge yourself into the advanced technology of Internetwork marketing. Let her show you how. Only YOU can define your success. Allow her to take you step-by-step using resources that can help you obtain and retain that success. Visit http://www.EZwaymlm.com opt-in to get your FREE 30-minute consultation with her.

Jacquelyn Burns - EzineArticles Expert Author

Protecting Your Online Assets - Affiliate Programs

If you have an online business, or even a "bricks and mortar" business with an online presence, then there's a good chance that you either currently have, or have thought about starting, an affiliate marketing program. There are many different types of affiliate marketing programs, ranging from simple link or banner exchanges to programs that pay the referring website a portion of sales made to customers that come from that referring website. In addition, a well-conceived affiliate program can be a great source of networking, income, publicity, etc.

But as with most other areas of running an online business, there are risks.

Affiliate partners can and sometimes do sue. It's often hard to imagine this type of scenario, as the relationship between you and your affiliate partners will usually start off with the best of intentions, and nothing but good will.

But if expectations are not met, or opinions or business plans change, and your partners may feel slighted. And regardless of whether or not they have a well-founded claim, they can still file a lawsuit and present a significant distraction to you, and force you to incur a great deal of expense in defending against the lawsuit.

So what can you do to protect your hard earned business?

First of all, if you haven't done so already, you should organize your business in a way that provides a certain degree of protection for your personal or non-business assets. It's generally thought that the best time to organize your business - either as a corporation or a limited liability company ("LLC") is when it begins (or even just before it begins) operations. Many business owners believe that the liability protections of a corporation or LLC are valuable only after the business begins to make a certain amount of money. But consider this - without the protection of a corporation or LLC your personal assets (which can include your house, your savings, and your cars) are at risk when someone sues you. A corporation or LLC is considered to be a separate legal entity under the law, an entity that it separate and distinct from you personally.

Whether you choose a corporation or LLC will depend on your tax situation, the size and type of your business, whether you have any co-owners, and what are your future plans for growth. In some situations, a might be better to have a corporation, in which case you'll have to determine whether a "C" corporation or an "S" corporation is a better fit. Again, this will largely be driven by tax considerations.

Almost without exception, you should not be operating your business as a sole proprietorship or limited partnership. Those entities provide very little (if any) legal protection for your personal assets, and in fact, might actually expose your business to a higher degree of risk.

The cost of forming and maintaining these legal entities is not as high as you might think. The costs are especially reasonable when you consider how much they could ultimately save you if legal problems ever do arise. All it takes is a single lawsuit, with a proper corporate entity protecting your home and life savings, and you'll be glad that you took the time to form your corporation or LLC.

It's possible to go it alone and research and make your determination on which form of business to use, and then prepare and file the necessary papers. But most of the time it's probably best to leave it to those who do this type of thing on a regular basis, so that you can concentrate on running your own business.

The second key piece of advice is to make sure that, if it's appropriate for the types of products you're selling, you've taken steps to give your products the strongest copyright protections available. For example, if you sell books (or ebooks) or other informational products, you should be aware that a work that you create is automatically protected by U.S. copyright. It is not actually required to include a copyright notice or symbol. However, if you do include those things, it is harder for someone who illegally copies your work to claim that they didn't know it was protected by copyright.

Depending on how much time you spent creating your informational products, you might also take the further step of registering them for a federal copyright. The filing fee for this step is currently less than $50, and getting a federal registration will enable you to seek much stronger monetary damages from anyone who steals your work. Even if your business is online only, strong trademark protections for your products are just as important as if you sold your products through a physical store.

Finally, make sure you take the time to sign written affiliate agreements with each affiliate in your program. The purpose of this document is to make sure you and your affiliates have the proper expectations going into the relationship, and to avoid any misunderstandings or assumptions that might cause problems down the line.

There's no magic length to the affiliate agreement. The document should be long enough to contain all of the important terms, and to set forth the key aspects of the working relationship that you hope to have with your affiliates. There are certainly some standard terms that you'll want to include. For example, if your affiliate program is going to involve you making payments to your affiliates, your agreement should clearly spell out what the affiliate must do to earn the payment, how frequently the payments will be made, what the payment mechanism is going to be (PayPal? Checks?), and what you will do if there are disputes over whether certain activities give rise to the payment obligations.

If you follow these steps when you set up and operate your affiliate marketing programs, you'll go a long way to reducing your financial risk and exposure to lawsuits, and give your business a strong degree of legal protection.

Discover how to protect yourself & your business from the devastating financial and security risks you face every day your website is online here: http://www.ProtectYourOnlineAssets.com

Be in a Cover Band

I do not mind admitting I am fast reaching middle age. The panic I used to constantly feel as I mourned my lost youth no longer haunts me. Putting in a fifty hour week to keep the man happy is all behind me. I have packed it all in and hit the road with my guitar strapped on, covering all the songs sung by the heroes of my youth.

Everybody in the music business these days is bemoaning its demise. Anybody who will listen gets told the story of diminishing sales and internet piracy stealing copyright fees. In fact, the internet is truly a great leveler for the entrepreneurial in spirit. It is just a new way of becoming famous and very rich quickly. The social networking sites that abound at present can catapult a relatively obscure name to stardom overnight. There is, however, still a lucrative enough side to the music business which is - the covers artist.

These days I get stressed trying to decide which shoes to wear. My only source of worry comes from breaking a string. The only person I have to answer to is me.

I can earn a little over twice as much money, before tax that is, playing three gigs a week than I used to earn working a fifty plus hour week, not including the time I sat in traffic jams. If I play more than three gigs a week I class it as overtime. The hours are only unsociable if you want to view them as such. I do not have any commitments or pressing need to be anywhere other than on stage. I prefer my new hours which allow me to sleep late. The most refreshing aspect of this existence is not having to battle against rush-hour traffic. I do not feel guilty in the least for my bohemian lifestyle or my laid back attitude to life. I am now able to pay the rent without too much effort doing what I do best. Forgive me if I enjoy myself in the process. The only difference between now and when I was taking my musical career deadly serious as a kid, is now it really is a business.

It is unbelievable how simple it was really. Myself and four like-minded friends decided to form a sixties and seventies covers band. Before too long we had sixty songs that we could perform to a more than acceptable standard. We impressed all the right people and found ourselves an agent who promptly found us all the work we could handle within a forty kilometre radius of the homestead. Sourcing all the gear including transport was the most tedious part of the process. The exciting part used to lie in discovering what kind of place we had been booked to play and what the crowd was like and were they hard to please, or would they dance to anything. The company some nights could be hard to motivate. Other nights the punters were easily excitable. Usually the more the alcohol flows the easier it becomes. As time has passed and we are returning to already visited venues there are not as many surprises, but it is still just as much fun. The crowd-pleasers are still anything by Chuck Berry, Elvis or The Beatles. As long as you are constantly prepared to add to your repertoire, especially those often requested songs, your future as an in-demand covers band will be assured.

How to Avoid Selling a Home For Financial Reasons

The biggest factor in success at either is usually the one factor that is also key in almost everything you do. Know your options, get educated in the process OR find and partner with someone who is.

We'll start on the seller side of the ball. What options here are open to you depend on your own personal situation, yes. But remember the key is not to reinvent the wheel. I'm confident in stating whomever you are, whatever your situation, someone has been there before, before you.

Foreclosure, Relocation, Death, Divorce, Tired Landlord, Upgrading, Downsizing or investment exit. All of these situations are reasons people decide to sell a home but what you want out of selling probably is different in a lot of them.

Some of these people would be seeking relief of financial burden. Meaning they can't pay current payments and obviously don't have money to pay for cost of services to help with that. So the key here would be an exit strategy that you don't have to pay upfront or no cost to the homeowner at all. This is usually the case in foreclosure and bankruptcy. In a vast majority of these cases, the expense of getting your property sold can be passed on to the lender of the homeowner. They are usually happy to pick up these costs in the case that a knowledgeable investor is handling the transaction and is about to turn what was a non-paying liability back into a paying asset.

Example, I'm in the middle of closing out a loan modification for a client (Mr. Avenel we'll call him) whom initially contacted me about doing a short sale on his property that was being foreclosed on. Through questioning the homeowner about his situation and finding out what he wanted to do, a couple of things became apparent. First, that he didn't want to leave his home. Second, he had two mortgages on the property, but only the first was filing for foreclosure. Hmm, reason to dig deeper. I contacted the second position lien-holder only to find they weren't foreclosing because this gentleman has been paying on time and never missed a payment. Again, Hmm, more reason to dig deeper. I go back to the first lien holder only to find almost the same picture. This gentleman was also a prime client until about a year ago when his payments became kind of erratic. Upon learning this and questioning the homeowner, I found that he had not one but two strokes almost back to back! As the only payer on the mortgage who wouldn't have fallen behind! I quickly brought this information to the attention of the loss mitigator whom I was working with. They right then and there requested I get them his personal financial information ASAP.

Can you see where this is going? They saw that they didn't have enough information abut Mr. Avenel's case and decided to see if he was currently on stable enough ground to rework his loan. Why? Because after the first lien holder contacted the second and found he was the model client. They looked back in their records and saw that he was the model client until sickness intervened. They were able to come to the decision that if we can get him back on track, it is reasonable to assume that he will become a model payer again. Now remember, this is someone whom one week earlier was willing to just let his home go. Know to bring this back full circle this all started by knowing what options were open. I knew Mr. Avenel still had a full-time job which he was employed for years, stability. I knew he made a decent amount of money, enough to afford the house. This is a classic case in which banks would and should consider a loan modification. A situation out of the ordinary came up, in this case twice, that caused Mr. Avenel to fall off pace with his payments. It's just up to me to show them that if they make certain allowances on past due balances, this could be worked out. Not only did they do that by spreading past due payments over the length of the loan, they picked up past dues tax payments and attorney fees, reduced the interest rate and required no initial balloon payment to reinstate mortgage payments and removed the foreclosure.

Now this does bear mentioning that these results could never be guaranteed to anyone, just remember how this all started. This guy was getting ready to walk away from the biggest investment of his life. Don't you think if in the same position, you'd want to do all you can to see that your cards fall where you want them to land? Look at your options or find someone who knows them. Fast.

Next time we'll take a look at going down the short sale path, and what you can do to help ensure this is as smooth a process as possible. As difficult as it is to walk away from your home, there are definitely times when this is the only smart choice.

Cecil Addison - Diverse Real Estate Services -

Primary area: New York Tri-state area (NY, NJ, CT, Pa)
Secondary: Anywhere in the United States

http://www.DiverseRealEstateServices.ws

Cecil Addison - EzineArticles Expert Author

How to Avoid Damaging Your Credit When Contemplating Divorce

It wasn't too long ago that severe financial problems stemming from divorce had a dramatic effect primarily on women. But these days many men are now confronting these issues because of the ever-increasing numbers of women who are pursuing high paying jobs in the corporate world and operating their own businesses.

The latest figures reveal that a high percentage of women are now the major wage earner in the family. This economic turnabout means that in some households it is the wife rather than the traditional role of the husband whose income qualifies a couple for joint credit.

Because of this world-wide trend a rising number of women have embraced the opportunity to start and run their own businesses.

However, if their businesses fail or become insolvent, it could make financial problems for their former spouse.

Unfortunately, no matter how joyful and rewarding your relationship is at present, it is prudent for both men and women to allow for the possibility of divorce and the sliding financial position it often causes both parties.

If you are contemplating divorce, it is crucial that you take certain steps before filing to help minimise any potential financial harm the change in marital status may bring, including:

(1) Take care of all mutually shared bills and credit card debts (and joint account obligations) by making sure that they are paid in full. By doing so, you do not risk the possibility of their becoming wholly your debt (to be paid completely by you) after you're divorced.

(2) Making doubly sure that you have excellent credit entirely separate from your spouse. If you don't, hold-up your divorce until you can build sufficient credit and be in procession of a bank account in your own name.

(3) If you already have either joint or individual credit, apply for a copy of your credit record from a Credit Reference Bureau, and attend to any problems you may come across.

(4) If some of the accounts in your credit file are joint accounts with negative remarks, and if the unfavorable information is the direct fault of your soon-to-be-former spouse (and/or the result of other conditions beyond your control) write down the reason for the negative remarks. Next, contact the Credit Reference Bureau to ask that your statement be a permanent record of your credit history. This will aid you in disassociating yourself from the account's problems. It is also best to attach the same explanation to any credit applications you complete.

(5) If you trust your attorney or have a competent financial adviser you trust, talk with them about what you should do to ready yourself for the change in your marital status. In the event your spouse files for bankruptcy (while you're going through the divorce) it is MOST likely that the divorce proceedings will be stopped until the bankruptcy is completed. You can take advantage of this time to discuss with your attorney (and/or financial adviser) about how to minimise the impact of your spouse's troubles on your financial situation.

(6) Creditors do consider spouses with joint accounts to be liable equally for those accounts. In light of this you should cancel all joint accounts as soon as you can. If you don't then you run the risk of being legally responsible for making payments on accounts that your former spouse accrued and is unable to pay.

What you should keep in mind is that if your spouse is late in making payments on the joint accounts or defaults on those accounts, negative information will be reflected in your credit record as well as in your spouse's as long as those accounts are open in both names.

You may then face having to re-establish your own previous good credit.

So close ALL joint accounts as soon as possible.

One of the best things that you can do is to write to each creditor and let them know that "as of the date of your letter" you will NOT be responsible for any charges your spouse might run up.

When you're ready to close your joint accounts, keep in mind that your goal is to obtain individual credit with the same creditors. And they have the legal right to ask you to reapply for credit if your joint accounts were based on your spouse's income.

However, if your credit accounts were based on your income, or if either of you could have qualified for credit at the time of the original application you'll probably not be required to reapply.

Stay away from negotiating a divorce agreement that permits your spouse to maintain your joint accounts in exchange for paying off the outstanding balances on those accounts.

Remember that as long as those joint accounts remain open whether they're used by you or not you'll be liable for those accounts despite what your divorce agreement outlines.

http://www.giveawaylegalforms.com

GiveAwayLegalForms.com (By: Frank, a dedicated professional with 27 years experience in the field of contractual law, personal and business protection.)

If you are contemplating divorce, it is crucial that you take certain steps before filing to help minimize any potential financial harm the change in marital status may bring.

Frank Keith Sullivan - EzineArticles Expert Author