Equipment Leasing | Commercial Mortgage

Wanabe Work-At-Home Moms (WAHMs) need to plan their work and then work their plans. There’s no way you can just start writing stuff at your computer an instantly become successful if you don’t.

I worked at odd-jobs after I retired at sixty two to supplement my Social Security check. Getting by was nearly impossible on such a limited income and eventually even the part-time employment disappeared. Oddly, employers prefer young people who will work for less. Gradually, I found out that having an online business was my only way out.

Lucky for me, it all played out that way. I continue to add to my business all the time even though I know very little about technology. My system’s technology is there silently working in the background all the time making money for me. And you know what? My age or gender have nothing to do with it.

I’d imagine if you’re a typical mom you’d be searching for a job or business that suits your particular situation, right? Do you use your computer in your search? Most moms use their computers to surf, email or to shop online. They miss the fact that the solution to their work problem is lying right there under their finger tips. Their computer.

Have you been thinking about what kind of business you could start from home? As a mom you have interests, hobbies and passions. You may have business expertise, too. You all have knowledge that others do not. It’s in your genes to be communicators.

What do you do when your child is having a school problem? You get the answer and help him. When your home needs a paint job you ask your friends and neighbors who did a good job for them and who they’d recommend.

So, what’s this got to do with becoming a WAHM (Work At Home Mom)? Ask yourself if you use the Internet, what for and how do you search for the information.

Exactly! You use a search engine like Yahoo, Google, AOL, etc. People use the Internet to find information and solutions. When they find a site that provides what they are looking for, they stay for a while. So what does this mean? I want you to think of just one thing that YOU really enjoy doing.

Let’s say you are crazy about scrap booking. Did you know that you could build a fantastic website based on that theme? You could write about all your ideas on the subject and share it with others. Now ask yourself, what are just three things that are related to scrap booking.

1. The materials

2. special scissors

3. The special way that your assemble them all

You build pages around these scrap booking topics and several others. Now assume a lady is surfing the Internet looking for information on scrap booking. She does a Google search for a new way of assembling photos. On the results page she scans the descriptions and finds one that is likely to answer her question. She clicks on it. Its your site.

Your copy is concise, friendly and upbeat. The lady finds it easy to understand and it meets her every need. She feels good about herself in her accomplished search and is relaxed enough about it to visit your site every once in a while because she knows it’s where she can find everything she wants to know about scrap booking. Later she returns and purchases a pair of those special scissors you have for sale. Now, do you understand why I asked you to consider one thing that you’re passionate about doing? That’s a website waiting to happen.

Now I know you are very busy because all Moms are. But that is the beauty of building an online business. You can chip away at it as you have time. The thing to remember is each time you work on your web site, you’re growing your business.

I highly encourage all you Moms out there to consider an online business because it can satisfy all your needs; time, money and kids.

Having residual income in your bank account is a great feeling. This is the income that is left over after all the bills are paid each month. The mortgage payment is made. The utilities and the tuition is paid. After all the accounts payable are taken care of the residual, or passive income as it is often known, is the nice bit of money leftover.

The income that you have not put into the budget is the residual income that varies month to month. This residual income is obtained from sources over which you often do not direct control. The salary you earn is earned income. You make x number of dollars an hour or a year and you are there at work, putting in your hours on a regular basis. Residual income is different.

Determining residual income other than what is left from earned income is a little difficult to measure exactly before it comes in. Interest on an interest-bearing checking account will vary month to month because it is figured on the daily balance. Stock and bond dividends will fluctuate as the market does. Residual income is from a source put in place before it starts giving out the income. You work at a job and then retire. Your pension check becomes residual income.

If you have a mortgage on your home or the home you rent out, upon the complete payment of that mortgage, the funds you use to pay to the mortgage company is no longer needed there so it becomes residual income. It’s like there is now an empty space where money is no longer needed. You can stash that money away as residual or replace the mortgage payment with a boat payment. It’s up to you.

Banks lend money faster to individuals who have residual income of some sort. The borrower looks like a good risk and the bank can then have a better guarantee that the loan will be paid. Residual income is definitely a plus. If the interest on the loan is low, you are better off making the loan rather than cashing in a bond that pays a higher interest rate.

Income of all sorts pay needs to pay income tax. Pensions are dealt with on a state to state basis. The tax on the residual income doesn’t outweigh the benefits of getting that income. Residual income is a terrific way to supplement your finances. It could be your nest egg!

The more sources of residual income or financial responsibility you have could be extensive and taking care of the books for it is very time consuming. It is only logical at this point to hire an accountant or be a retiree good with numbers. You must keep accurate files. If you do not pay the government what is due or you do not understand what you need to pay, you are setting yourself up for problems. Pay the taxes on the residual income and be legitimate.

Look beyond today when you choose the money makers of tomorrow. Set up and put in place some sources that will provide you with residual income in the years to come. Be aware of how to plan for the future and how to use that planning to promote some residual income. The financial little extra can become your ticket for the future.

With the strife a lot of people are going through these days it may seem impossible to find a job, but it doesnt have to. We know that times are tough, but with a little know how a good job or new career can be easily fund. The conception of the web has helped with this process in a major way. So, if you are posting a resume, doing a search or just browsing with the Internet at your disposal youll be exposed to new worlds and hopefully a new job as well.

If you can post your resume it is highly recommended. Posting your resume allows potential employers to see your qualification while you are not even around; it does the work for you. Web sites such as Monster.com, CareerBuilder.com and Employment911.com are just some of the web sites one can post their resume. If a traditional hard typed resume seems overdone, one can try to make a video resume (a spoken resume done on camera where the job hunter describes their qualifications) and post that instead. A new trend and may just turn some heads.

CareerBuilder.com, Monster.com and Employment911.com also have a large database of companies and job offerings that those looking for a job can and should browse through. Although one may not want to initially sit and search through the numerous pages, they never know what may come up. This method is recommended because the browser may spot a job that comes out of left field and grabs their attention, a job they would have never have gone out and sought after on their own.

Welcome to the new job search, as we know it. Yes, the search has been redefined and now one no longer has to sift through newspapers to find a job. Its become quite easy to just type in the job type or description of the desire employment and find what you are looking for. For example if you are looking to work as a chef, just input chef, cook or other keywords and youll soon see a slew of jobs in that category. So whether job or job field this is a great way to find what you are looking for.

So, as the new millennium has brought big changes, so has the way we look for employment. The web has brought a great method of job searching to those who in the past had to rely on old methods such as newspapers and/or penny savers. These are great for information or grocery sales but may be a bit out dated for the jobs that can change on a daily basis. So, if you can turn your PC on, you can effectively search for the job or career of your dreams.

The easy way to earn residual income is by focusing on the goal. Goals are attainable when they are clear cut and your focus stays on the prize. The adventure ahead will take a plan for investing time and more in order to reap some benefits.

Residual income is defined as the money left over after you’ve paid your bills. There are a couple of ways to look at this idea. You can venture into having residual income for the purpose of a nest egg or special trip or it can be destroyed if you can’t be diligent about its purpose. You may have just gotten a higher paying job and decide to spend the new money for a higher mortgage and a country club membership. Then there is no residual in all likelihood because the new budget is too tight.

Do you have a piece of property that a relative left for you in a will? Fix it up and rent it out. All the renter’s fees will go to residual income. You might have repairs occasionally, but the 12 months of rent may become great residual.

Anytime you get some extra money in the residual form, try to find some ways to insure its growth for later. Small amounts add up. Don’t look at earn residual income as a get rich quick proposition. Look at it as the kind of insurance for the future. Time is the key to earning.

There is a whole other world at your fingertips. The Internet offers websites that refer to earning residual income. But remember that there are money making schemes that are not what they appear to be. If some investment returns seem to good to be true, don’t fall for the hype! Avoid pyramid schemes! They can often be offered in a perfect light, but beware. Check that out.

Continuing to earn residual income after the original work is over is very natural thinking for authors and film makers. Every book that sells sends the author into the money making mode all over again. There are deceased authors whose estate inherits the residual. Actors in TV commercials may also be among those who often receive royalties for life. If the commercial is shown, the money comes in! What may seem difficult is simple!

You may write articles with links to businesses that pay on the hits you have encouraged by your articles. The income, no matter how small, can build into a little fund that just keeps going.

Internet ads are on almost every web page you visit and residual income is being made hit after hit on those sites. Someone is earning, why not you! Set up on a site and get some advertisers to start sending you some residual income. How easy is that! The world is now your oyster. The prize is easily found after the hunt for the right animal. Whether you have rental property or a talent that you can use to obtain royalties, or the right investments, stay on the path and it’s easy. Don’t lose site of your goal.

The end of last year proved to be bad news for almost all investment asset classes except U.S. Treasury Bonds. The ongoing flight to safety has rendered retired investors bewildered. Investors are struggling to find safety and reasonable rates of return.

It seems the popular place to look for answers in 2009 is in Treasury products. However, experts such as Mohamed El-Erian, Pimco Chief Investment Officer, and Andrew Bary, popular finance author, recommend staying away from those instruments as the price-yield equation is not that attractive. See the Barrons article (search for http://online.barrons.com/article of January 5, 2009) entitled Get Out Now.

With Treasuries out of the picture, what other asset classes offer any hope for this year? Our research, and others commenting on this situation, point to four investment classes. We have already published an article on the fourth one, so we will concentrate on the first three. Here are all four classes we have examined.

* Securities backed by Mortgages * TIPS: Treasury Inflation-Protected Securities * Municipal Bonds * Investment-Grade Corporate Bonds: refer to the AboutETFs.info article at http://www.aboutetfs.info/Monthly-Income-Strategies.php

1. Yields on mortgage-backed securities have been declining ever since the Federal government November 2008 announcement that it would purchase up to $500 billion of Ginnie Mae, Freddie Mac and Fannie Mae home mortgage-related bonds. But with the purchases just beginning in January, current yields of this battered asset class still look attractive relative to historical levels. Also, with the Fed’s intervention, mortgage-backed securities now offer effectively the same Federal guarantee as U.S. Treasuries, but with higher yields. Consider iShares Barclays MBS Bond Fund (MBB), iShares Barclays Agency Bond Fund (AGZ) and SPDR Barclays Capital Mortgage Backed Bond ETF (MBG).

The TIPS products, Treasury Inflation Protected Securities, are impacted by inflationary or deflationary trends. Recent fears about deflation have negatively impacted TIPS prices, but this may present a good time to buy TIPS. Looking forward, with many believing our Federal stimulus packages will result in substantially higher inflation, TIPS may appreciate. TIPS really shine during inflationary periods. Advisors currently are suggesting (TIP) iShares Barclays TIPS Bond Fund and (IPE) SPDR Barclays Capital TIPS.

3. Municipal Bond tax-free yields have reached historically high levels as Municipal bond prices plummeted in November 2008. Although prices have recovered and yields have waned since the bottom, municipals still offer remarkable value compared to U.S. Treasuries. With today’s 4-5% tax free distribution rates, investment-grade municipals look like a bargain (a 5% tax-free yield for a taxpayer in the 35% Federal tax bracket is the taxable equivalent yield of a Treasury bond paying 7.4%). Municipal Bond ETFs worth considering include PowerShares Insured National Municipal Bond Portfolio (PZA), iShares S&P National Municipal Bond Index Fund (MUB) and SPDR Lehman Municipal Bond ETF (TFI).

Another bond choice to study is a California fund, (CMF) iShares S&P California Municipal Bond Fund. One reason to watch this ETF fund is the pending Federal assistance programs under the stimulus packages. California is likely to benefit from these programs due to its enormous size and political importance.

For the ultimate in credit safety, look at Market Vector’s Pre-Refunded Municipal Index ETF (PRB). PRB is the first ETF investing 100% in pre-refunded municipal bonds. Pre-refunded municipals are issued to pay off existing, higher yielding bonds. These bonds are fully collateralized by U.S. Treasury securities, making them the only municipal bond class 100% fully guaranteed by the U.S. government.

The fourth asset class we reviewed for safer retirement income is the investment grade corporate bond approach. At their current prices, corporate bonds are still a bargain. We are witnessing portfolio managers, insurers and brokers loading up on high grade corporate bonds because they believe that the government bailout programs may lead to fewer corporate defaults. For more details on the corporate bond funds strategies, read the www.AboutETFs.info article on 15 asset classes at this link: http://www.aboutetfs.info/Monthly-Income-Strategies.php .

In future articles, we may examine two additional income-producing asset classes: senior loans and preferred stocks. But for now, your best bets for principal safety and steady income seem to be mortgage-backed securities, Treasury inflation protected securities (TIPS), municipal bonds and high-grade corporate bonds.

As always, results are not guaranteed and these strategies may not be suitable for your personal investment objectives. You should consult with a professional before buying or selling any securities. This article is not intended to be investment advice for the purchase or sale of any mentioned securities.