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Making Money Online – Quit Your Day Job

With the rise of the Internet the decline of the 9 to 5 has definitely been seen. More and more people are making money without having to go to a physical location than ever before. In fact, millions of these people spend less time at their “job” than anyone else, and they can enjoy the finer things in life. How would you like to work a couple of hours a day while others spend their 40 to 50 hour a week lives slaving for the wage? It sounds too good to be true, but there are a lot of different methods to earning money online, and it’s not just some get rich quick scheme that is making 1 person rich and millions poor. For those that are skeptical, today we will look at a few things that you can do to make money online and stop going to a job you might not like.

The first way people are making money is through professional blogging. Writing a blog is no longer something that the average teenager is doing instead of putting it in paper. While there are some that use blogging as a personal information platform, others have found a way to communicate their own words about life in general and turn it into money. The way they are doing it is by selling ads, affiliate marketing, and much more. Whenever someone visits a blog they are hit with an ad, and if they click on it or buy something, the blogger makes money. Now multiply that by a few hundred to a thousand people a day clicking, buying, and visiting, and you can see how it can be a great way to earn a living.

The second way people are making money online is through eBay sales. They look around their house and they start selling off all the stuff they own. Whether it’s books, magazines, vinyl records, or just about anything, they end up putting their lives online and making a decent living. From there, they start to look at yard sales and flip items. Search online for yard sale finds, and you’ll often times run into a news post about people that find rare comic books for a dollar than flip them for millions when they go to auction. This is not as rare as you might think.

The last thing that people are doing on a regular basis to make money is going online and taking advantage of no deposit bonuses from online poker rooms. That’s right, you can get paid to play poker and if you have even a shred of skill you can win a few hands and several hundred dollars. For those that are skeptical, don’t be, because some of the biggest poker players in the world got their start playing online. In fact, one of the best in the world is an avid online poker player and he’s pulling in over six figures from playing just a few hands a night on the web.

If you want to quit your boring job, you have a great amount of opportunity in these modern times. Never before has the world opened up to entrepreneurs, so go for it, and get paid to be on the Internet.

Can You Really Purchase Off Plan Property For Up to 70% Below Market Value?

You know how the saying goes “if it’s too good to be true, then it most likely is”? Well in most cases that is correct, however many property developers who put these “two good to be true” concepts together are making investors a fortune if taken advantage of. How? Because the developers are simply selling their off plan property far below current market value.

Before going any further, it’s important to know what off plan property even is. Off plan property is a property that is either currently under construction or has not begun construction yet. At some point or another, every single property in the world went through its off plan phase. When a developer decides to build in a certain area, he or she first needs to obtain planning (building) permission from the state or government before allowed to begin construction. The developer can still buy the land and hold on to it while planning permission is pending, and in some countries the developer can even start pre-selling units before planning permission is even granted. This is of course very risky to the investor as permission has not been granted but is done quite often. Because the risk is far greater before planning permission is granted, the developer decides to incentive property investors with a discount that rewards them for taking on such risk. Often times, the developer will state in the contract that if for any reason planning permission is not granted that the investor will receive a full refund plus a certain percentage of interest for tying up their capital. (Don’t ever invest in to an off plan property unless this is clearly stated in the contract between you and the developer).

So let’s consider the fact that you, the investor were looking for a heavy discount in the market and decided to contact developers or investment firms that were recommending off plan property as an investment. Take the price of a one bedroom apartment for example in North West London that costs on average £204,000. If you were to purchase this apartment at market value, you are not leaving yourself with very much upside potential, unless of course you wanted to wait for the markets to appreciate over the next 7-10 years to see a sizable return. To most aggressive investors, this is NOT an exciting investment strategy. So you decide to look at off plan property as an option and you are told of a property that is currently being sold for only £170,000, but has not yet begun construction. How can this be? This is a 20% instant savings on a 1 bedroom unit very similar to the completed properties you have been looking at. Because the developer is still obtaining planning permission, but is very confident that they will be granted rights, they decide to start selling units at a very heavy discount. Remember, at this time the developer and his team have everything in place including renderings of the development, but are just waiting for the planning committee to give them the green light. With a completion date set for two years out, you only need to put down 30% and nothing further due until the property is finished. Depending on the location, a mortgage is not required until the property is built which gives you more time to build up your savings and borrow even less when it comes time to apply for a mortgage. In many cases, by the time the property is complete, you may not even need to apply for a mortgage because you have saved enough funds to go ahead without it. So with a property price of £170,000 and only 30% needed to lock in this transaction, you only need to come up with £51,000. And it’s get better…

Once planning permission is approved, the investment case dramatically changes because now the property is guaranteed to be built. This gives the developers the confidence to ask for more money on each unit. It also gives the banks the confidence they need to finance the development in line with the developers needs. Immediately the developers raise the prices on each one bedroom unit to £185,000 giving you an instant unrealized gain of 8.8% in just a matter of months. Typically at this time, there is a rush of investors to get in on this new build, and if there’s enough hype you may even be able to sell your property to the next investor which would give you a profit of £15,000 or a 29% realized capital gain on your initial 30% deposit. Because you only invested £51,000 and your take home is £66,000, you genuinely are able to see big returns in a very short period of time.

Now let’s imagine that you decided to hold on to your property or there wasn’t enough hype in the market for you to be able to sell just yet. You now wait until the second phase in the property investment which typically occurs when the developers break ground. At this time, you can expect the prices to go up again, but not by as much as they will when the property is completed. On average you may expect the price of the property to rise roughly 5-10 percent and in some cases maybe 15%. Let’s be ultra conservative in this case and say that the property only went up another 5%. The value of your property is now worth £194,250 and the developers begin to list the investment at this price therefore giving you another opportunity to make even a bigger gain on your 30% deposit. If at this time you were able to sell your property you would now be taking home £24,250 which increases your gross capital gain on cash employed to 47.55% in just one year.

Finally when construction is complete, the developers officially launch the development to the public and sell each unit at market value. By this time, you have two options. One, take out a mortgage and continue to wait for the property to appreciate to a price that you would be happy with. Two, sell the property to a new investor that is happy to purchase this completed property at market value which in this case is £204,000. Let’s say that everything worked out perfectly and you were able to sell the property immediately before applying for a mortgage. You would now be taking home £34,000 (£204,000 – £170,000) giving you a realized capital gain of 66.67% increase in just two years.

This aggressive property strategy is known to many savvy investors as “flipping” and must be done in line with your financial situation. If you cannot afford to hold on to the property when it comes time to apply for a mortgage, then you should not enter this strategy with the intentions of flipping it before completion. You may get caught out not being able to sell which then forces you to take out a mortgage, therefore generating a massive burden on your financial situation if the mortgage payments are not in line with your financial budget. On the other hand, for investors looking for “a quick buck” (or pound in this case) can absolutely do so through the use of off plan property. It doesn’t always work out this way of course and more times often then others will you need to hang on to your property for a little bit longer then you originally planned, but if your financial situation permits it and your financial advisor highly recommends the investment, then go for it! It’s OK to take on little bit of risk every once and a while in order to see the potential big rewards.

So now that you understand how the strategy works, how do you know which off plan property to select? You should always speak to an investment advisor regarding the purchase of off plan property. Real estate agents aren’t qualified to give you the investment advice needed, and if you want the real story it’s best you speak to a financial advisory firm.

Lifestyle – Living Adventure One Ounce At A Time

Lifestyle, what is that? The very definition is “an individual’s way of living”.

There was a time in the not so far past that I had no idea of what that meant. If someone had asked me outright what lifestyle meant to me, I would have said something like, “of the rich and famous“?

Being born and raised in a small, rural community my upbringing taught me how to work hard. My siblings and I worked alongside our mom and grandma in the fields. We started out working for grandma and grandpa in their vineyard and graduated up to the prune and peach orchards.

Those days were long, hard back-breaking work. In the fall and winter we would cut the root-stock mother plants and haul the 6 to 7 foot long vines into the garage in bundles. We would cut and bundle, grandpa, when he was home, would pack them like a mule on his back. Grandma wasn’t as strong, so she used the little Cub Cadet tractor to pull them in. Cold and wet it was work we had to do to get the product, root stock, to market. In the spring it was time to help till the fields, put down the fumigation and plastic to kill the weeds before planting the new stock. Summer months were spent standing on our heads, pulling weeds and chucking rocks.

There was never time to dream of luxury vacations or what we think of today as lifestyle. Most of the time we were thankful just to get home for a hot bath, a big meal and bed.

When the family took vacations it was usually all 5 of us kids in the back of the camper on dads pick up truck headed across country to visit relatives. Oh sure, we stopped alongside the highway at the Stuckey’s or tourist attractions occasionally.

One trip in particular I remember being so disappointed…I was maybe in 5th or 6th grade and we were going to Yellowstone Park. Now, think like a kid for a minute, what do you suppose I was expecting? You’re right; I thought there would be swings, slides, a merry-go-round, things for kids to do! Guess mom didn’t really explain what the park was in too much detail!

As an adult looking back I sure didn’t appreciate the effort it must have taken. Surely it took plenty of money to tote all of those kids a couple thousand miles to see a geyser, a moose and a bear, too!

Things didn’t change much when I got married and had a family of my own. There were doctor bills, hospital bills, and car payments. With house payments who could think of a vacation, especially one like the lifestyle of the rich and famous.

Our vacations, although fun, were weekend trips to the coast to camp. Have you ever camped? With two small children it is hardly what I consider a vacation, it is flat out work! Occasionally we would travel to the mountains for weekend fishing trips, camping with my folks or friends.

Once they suggested we get a hotel room and we freaked out, who could afford a room? Our luxuriant dinners were the large order of chicken nuggets and family fries at McDonald’s with a soda!

Then I was introduced to network marketing and my thinking started to expand. The friends who worked beside me encouraged us to travel to conferences; our first was to Las Vegas, Nevada. That was huge for us, driving over 13 hours we were exhausted yet excited.

The next trip was to New Orleans, Louisiana. I’ll never forget that trip, I was so sick with the flu…but I had a ball and remember every wonderful side trip we made. From the jazz music drifting down Bourbon Street to the century old Cafe Du Monde and the scrumptious beignets with lattes. Those are memories etched in our hearts and one day we will go back to enjoy that rich treat again.

That was my husband’s first plane ride…he was so scared that it took us 3 hours for a 2 hour trip to the airport…we had to stop at every rest stop, if you get my drift! But it was so worth it. The foods we experienced, the sights and people we met all different from home. The world is huge and is just waiting to be explored.

When we were introduced to nutrition our minds grew even more to the lifestyle waiting for us. Traveling to places like the Caribbean on a first class cruise, San Francisco and a bay cruise, Las Vegas, Seattle and the Space Needle!

We ate escargot, caviar (icky I was like Tom Hanks in Big…spit it out), but I tried it! Snorkeling in the crystal blue waters of the Caribbean was unbelievable; I had to pinch myself to make sure it was real.

Debarking from San Juan, Puerto Rico my husband cried in disbelief that someone like him could be experiencing something so incredible. Dancing on the deck of the ship as we pulled out of port was like watching the Love Boat on TV only we were the stars.

But you know, if we didn’t have our health none of that would have mattered. Without taking the business seriously we never could have won that cruise to have experienced the lifestyle of the rich and famous.

Being able to travel to Maui, Hawaii with our best friends was so incredible. We got to experience that lifestyle with people we love and care about, healthy enough to enjoy it. We enjoyed it so much that a couple years later we were able to take both of our kids and grandkids back to Maui for a two week lifestyle vacation. That rocks, there’s nothing like it.

Today, when life throws us lemons, we just catch them and squeeze hard…the lemonade is sweet and we look forward to the next adventure in living lifestyle healthy one ounce at a time.

Join us; let your mind go…what would your lifestyle healthy vacation look like if you just let go and imagined?

Key Components in a Train Travel Plan

Travelling over long distances can be uncertain, because sometimes you can be delayed in the train station, you can encounter luggage loss, and your luggage can be stolen while you wait for the train and many other unfortunate incidents. This is why you are advised to take a travel cover to make sure that you are shielded against these losses.

Below are several reasons why you should get yourself an insurance cover when you are travelling by train, if you do not want to experience losses that might ruin your travel.

Delays and cancellations

In many under-developed countries, delays and cancellations of journeys are frequent especially in the railway stations. This can be caused by anything from bad weather, insecurity, mechanical problems and many other causes.

However, with train travel insurance policy, you end up getting compensation for any cancellations or delays. It leaves you in a good place, hence minimizing any inconveniences that you may have encountered.

Repatriation

In some cases, such as if there is insecurity, the insured may be taken back to his or her home country if he or she cannot continue with the booked train journey.

Cover for stolen or lost belongings

Due to the recklessness of some rail companies, your property can end up stolen or lost. The insurance company will come through and you will get compensation if you had insured your property against the loss.

Accident

In case of an accident, the insurance company comes through and takes care of your medical bills through compensating you for the loss you have suffered. Compensation may be necessary if you end up losing your senses, mobility, legs, and hands or even in cases of death.

Missed departure

If you end up missing your train, the cover may help in that the insurance company may take up the liability of the loss and you will not be penalized in any way.

Some policies may cover loss of tickets and documents

Sometimes you may lose your tickets, documents or money. If you had taken the cover you may end up receiving compensation for the lost belongings and documents.

Emergency treatment

Some companies cover your health when you are aboard. In case an illness strikes, you are able to receive treatment under the cost of your insurance company without even paying a single penny.

The convenience that comes with obtaining a travel insurance cover is unrivalled, since it is good to be prepared well especially if you are always taking long distance trains.