Retire in 10 Years

Retirement has become a popular subject recently. When you understand the current situation, you’ll understand why retirement is on the minds of so many people. Let’s take a look at what’s going on in the world today. There are approximately 79 million baby boomers and starting Jan. 1, 2008 every 7.7 seconds, a boomer will turn 60. Americans have seen 30% or more evaporate from their 401(k) plans due to the stock market meltdown. Social Security Trustees have admitted that the fund will be insolvent by 2017 because it will be paying out more than it receives. It will be depleted of funds by 2041. Medicare Trustees have reported that Medicare’s Hospital Insurance Trust Fund will become insolvent by 2019.

Read more at www.retirein10years.com

What to Watch for in MLM Business Opportunities

Any MLM business opportunity worth considering will either have a track record that you can investigate and evaluate or it will have a clear statement of the plan, the potential, and the up-front costs.

Before investing any time or money in a specific MLM business opportunity, there are some questions you should consider first.

How long has the business opportunity been in business? Before investing time and money in marketing an MLM business opportunity, it is important to determine how long it has been operating.

If it is a new concept that has not been proven in the marketplace, you have no assurance that it will even work.

Does the company have a fixed address and phone number? This may seem obvious to you, but the fact is, thousands of companies operate with nothing more than a website and an email address.

Many of them are here today and gone tomorrow. Make sure the business you intend to deal with has a fixed address, physical location, and established phone number.

Does the MLM business opportunity have some successful members you can talk to? Most business opportunities will show you testimonials. But these are often untrustworthy.

They could even be completely fabricated. Ask the owner of the business for names of real people you can talk to. Call them on the telephone and ask them to share their experiences with the program.

This will not only provide you with valuable first-hand information about the program, but it will give you a list of advisors who might be willing to help you along the way.

How much initial investment is required? In many cases a proven MLM business opportunity with a successful track record will involve some kind of initial investment.

You should not assume that a business opportunity that is free to join is a better investment. Usually a free-to-join business will involve other costs such as marketing and advertising fees. Just keep in mind that nobody gives away “opportunities” for free.

What you have to determine is whether a specific MLM business opportunity has a successful track record, is managed by honest people and offers you a realistic chance of actually making some money.These are the things you must weigh against the entry costs.

What is the realistic income potential of the business? Have a careful look at the numbers and projections provided by the business opportunity. Then talk with actual members who are using the program to determine if they have been able to turn those numbers into reality.

Are there extra fees such as yearly or monthly subscription fees, shipping costs, or minimum purchase requirements? Make sure to get a detailed list of all the fees involved in operating the new business. These things may not seem significant now, but they can easily eat into your profits later.

How much control of your new business will you have? Be clear on who owns the business, and who controls the way it is developed and marketed. You may want to diversify your product offerings in order to avoid being at the mercy of a "head office.

The MLM business opportunity should require low initial investment and have high profit potential both in the short term and in the long term. It should allow you to build a profitable business of your own that will be a source of income far into the future.

3 Things You Can Do To Stop Wasting Money NOW!

1. Create a budget and stick to it
2. Improve your credit score
3. Refinance

Understanding Re-Financing

Understanding the process of re-financing can be quite dizzying. Homeowners who are considering re-financing might initially be overwhelmed by the number of options available to them. However, after taking some time to educate themselves about the process, they will likely find the process is not nearly as daunting as they had imagined. This article will discuss some of the options available to those interested in re-financing as well as some of the important factors to consider in order to determine whether or not refinancing is worthwhile.

Consider the Options

Homeowners have quite a few options available to them when they are considering the possibility of re-financing their home. The most significant decision is the type of loan they will choose. Fixed rate mortgages and adjustable rate mortgages (ARMs) are the two main types of mortgages the homeowners will likely encounter. Additionally there are hybrid loan options available.

As the name implies, a fixed rate mortgage is one in which the interest rate remains constant throughout the duration of the loan period. This is an especially favorable type of loan when the homeowner has credit which is sufficient enough to lock in a low interest rate.

ARMs are mortgages where the interest rate varies during the course of the loan period. The interest rate is usually tied to an index such as the prime index and is subject to rises and falls in accordance with this index. This is considered a riskier type of loan and is therefore often offered to homeowners who have less favorable credit scores.

Although ARMs are considered somewhat risky there is usually a certain degree of protection written into the loan agreement. This may come in the form of a clause which limits the amount the interest rate can increase, in terms of percentage points, over a fixed period of time. This can protect the homeowner from sharp increases in the interest rates which would otherwise considerably raise the amount of their monthly payments.

Hybrid loans are mortgages which combine a fixed element with an adjustable element. An example of this type of loan is a situation where the lender may offer a fixed interest rate for the first five years of the loan and a variable interest rate for the remainder of the loan. Lenders typically offer a lower introductory interest rate for the fixed period to make the mortgage seem more enticing.

Consider the Closing Costs

The closing costs associated with re-financing should be carefully considered when deciding whether or not to re-finance the home. This is significant because when homeowners re-finance their home they are often subject to many of the same closing costs as when they originally purchased the home. These costs may include, but are not limited to appraisal fees, application fees, loan origination fees and a host of other expenses. These costs can be quite significant. The closing costs will be significant when the homeowner considers the overall savings associated with re-financing.

Consider the Overall Savings

When deciding whether or not to re-finance, the overall savings is one factor the homeowners should carefully consider. This is important because re-financing is typically not considered worthwhile unless it results in a financial savings. Although some homeowners refinance to lower monthly costs and are not concerned with the overall picture, most homeowners consider whether or not they will be saving money by refinancing.

The amount of money the homeowner will save when re-financing is largely dependent on the new interest rate in relation to the old interest rate. Other factors come into play such as the remaining balance of the existing loan as well as the amount of time the homeowner intends to stay in the home before selling the property. It is important to note that the amount of money saved by negotiating a lower interest rate is not equal to the entire savings. The homeowner must determine the closing costs associated with re-financing and subtract this sum from the potential savings. A negative number would indicate the new interest rate is not low enough to offset the closing costs. Conversely a positive number indicates an overall savings. With this information the homeowner can decide whether or not he wishes to re-finance.

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How to Learn Blogging Software

A lot of blogging software is specifically designed to be
simple to use, but even the least intimidating blogging
program can feel very overwhelming to somebody who
has not spent a lot of time learning the ins and outs of
different kinds of software. Particularly for newer
bloggers, learning how to use the interface of blogging
software is the most difficult part of blogging. If you are
somebody who feels comfortable expressing themselves
in another medium, it may prove to be well worth your
time and effort to learn blogging software, but that
doesn't mean that the task will be easy.

The main thing that will help you find success as you
learn how to use a new kind of blogging software is to
try and take things slowly. Many people get so excited
about learning to blog that they try to rush into the thick
of it and start exploring the most complicated features
of a program right away. This can lead to getting
confused and feeling frustrated, and all too many
potential bloggers burn out during this stage of the
process. If you take your time learning the basics of
your blog software program before you move on to
more advanced techniques, you will be more likely to
retain what you have learned, and to keep feeling
positive about your ability to understand the world of
blogging.

HAVE 5,000 PEOPLE MARKET YOUR PRODUCT IN 30 DAYS

An excellent source for distributing your merchandise is by
"independent salesman".

There are individuals who sell on their own and are always on the
look out for good items to carry along with their regular
merchandise.

The best way to contact them is through magazines such as;


Making Profits
6255 Barfield RD.
Atlanta, GA 30328

or

Money Making Opportunities
11071 Ventura Blvd.
Studio City, CA 91604

Insert a good ad in the Classified Section of one of these
publications, for example; "brand new opportunity! Independent
salesman wanted nationwide. For information, contact (your name
and address). You will find yourself receiving thousand of
replies and you can be sure these independent salesman will do a
terrific job of selling for you, as they make money on
commissions only.

Another way is to contact "Wagon Jobbers"
A wagon jobbers is someone who takes any number of products from
different jobbers or manufactures, puts them in the truck or
station wagon and travel along his "route" selling to people whom
he knows will buy from him because they are his customers.

They are excellent salesman, and when given a decent commission,
can do a terrific job of selling your products.

The best way to contact them is to rent a "wagon Jobber" mailing
list from a mailing broker, and then write a detailed letter
describing the product you want to sell and what kind of
financial arrangement or commissions you are offering.

The more people you get to sell, the larger your profits will be.

EBook Writing Business

If you are a savvy writer with great English grammar skills, you should consider writing eBooks. It pays very well and you can do it in the comfort of your own home. It is very simple to write up an eBook. All you need to do is have Microsoft word and the internet. Do some research first on the topic. Know everything you can know about it, read up on it and save some quotes in your favorites area. You may want to stop by the local library to pick up some books on the topic too. That will help you when writing up your eBook. EBooks should be between 50 – 75 pages depending on the topic and what the assignment is. After you have thoroughly researched your topic and you know a lot about it you want to create a table of contents. You want the chapters to flow freely from one thought to the other. Make sure you cover as much as you can about the topic and title each chapter, writing a few notes about what you want to write about -which you will delete later.

The next step would be just to get started on it! Start writing creatively, from your heart, not just spitting out facts on a paper. People are reading your eBook because they do not want to read and search for information located everywhere about a specific topic. They want a concise, easy to read; interesting eBook they can print out and curl on the couch with. It goes without saying that no one should ever plagiarize; not only is it unlawful, it is disrespectful.

Always spell check and edit your work by reading it when you have finished. Polish it off by organizing each chapter into an eBook. Come up with a savvy title that catches the audience. If you really enjoy this line of business, you could do this full time and quit your day job.

Help for Entrepreneurs

There’s good news for entrepreneurs who need help but aren’t ready to hire full-time employees. Between January and July 2004, the ranks of part-time workers grew from 24.3 million to 25.5 million according to the Bureau of Labor Statistics. It was also learned that from June to July the increase came from people who wanted to work part-time and not because they couldn’t find full-time employment.

It seems that 1.7 million part-timers hold two or more part-time jobs, and do this by choice. Such workers will be harder to convert to full-time employees because they like the diversity of different jobs.

This all translates into benefits for the entrepreneur who needs help but can’t hire full-time employees. The employment gurus don’t expect this part-time preference to pass anytime soon. It seems that the appeal of a reduced schedule is strong both for seniors and baby boomers nearing retirement. Parents who have interrupted careers to care for their children but still want to work may also explain the boom.

Entrepreneurs should eagerly look to this pool of workers and eagerly employ part-time help. A big reason is that employer-paid health insurance and other benefits add costs equal to more than 50 percent of the average employee’s gross earnings. A part-time employer can get by with a low-cost factor, and still find somebody reliable and efficient.

Looking at the boom of part-timers seems like a win-win situation for entrepreneurs and workers alike. Check the prospect out with your accountant and you may find that you come out a winner and less stressed.