A Few Tips To Bring In Some Extra Money

earnmoneyToday our economy isn’t where most families would like it to be; in fact, thousands of families all across the country are struggling to make ends meet and find they are barely getting by. Living paycheck by paycheck may be the norm for many, but that stressful life shouldn’t be the only option. There is a light at the end of tunnel for financial woes, it may involve a little extra work and creativity, but living comfortably without the stress of bills piling up is worth it. The best part about these little tricks is that you can do them all right from the comfort of your own home!

Baking and Cooking- If you enjoy cooking and/or baking and you aren’t too bad at it, why not make an extra income from something you enjoy doing? You can easily, and at no cost, place an ad up and see what kind of requests you get.

Tutoring- There are thousands of grade school, elementary, high school, college aged people looking for a tutor in a wide number of subjects. If you have exceptional skills in a subject, it won’t hurt to place flyers up around local schools and libraries to see how many inquirers you get. You can even give lessons for a sport or musical instrument. There are tutors wanted for just about everything!

ways-to-make-extra-moneySell! Sell! Sell! – You are able to sell your jewelry, closed, electronics, and much more! If you have any unwanted items, there is a large amount of money available. In fact, there is practically a buyer for everything! You can have a yard sale, place ads on Craigslist or eBay; the possibilities are endless.

Personal Services – From babysitting, pet and/or house-sitting, dog walking, styling, personal assistant, etc. there are numerous personal services that will allow you to use your time to really bring in the extra income, without too much of a commitment so many of these services will allow you to keep your primary job. Although some of these services MAY require you to leave the house every now and then, they can really bring in those extra dollars!

Giving Back Is Essential To Living A Good Life

communityWhen a company gives back, it is a theory or an ethical initiative that you have an obligation of acting in a way that the society benefits at large. It is a duty expected to be performed by an organization in order to maintain a balance between the ecosystem and the economy. Doing this shows that a company is improving quantitatively (the impact on society) and qualitatively (the management of processes and people). According to studies, companies usually record more sales and profitability when they give back, and this is why more and more companies are now finding one thing or the other to do to help their communities.

How Your Company Can Give Back

Your primary goal as a business owner may be to build and maintain a good business but aside from this you should also incorporate social and environmental responsibility the way Pepe Fanjul does by giving back to the community that supports your business. One way you can give back to the community is by donating any items you do not sell or use. For example, if you operate a school supplies store, you should donate any unused items to local schools that are in need of supplies but cannot afford to obtain them due to hard financial times or budget cuts from the school board.

Another idea is to teach people important life and business skills so they can be productive in society. If you own a few credit unions in the city, you can visit different community centers where you would teach financial literacy skills such as budgeting, managing a checking account and spending less than you earn. Fundraising is another way of giving back to the community.

Expand Your Operations

This is one of the best ways to contribute to the community because you create more jobs and if you want to go a step further, you can open a few more locations and then offer your employees the chance to operate your franchises by themselves. In addition to this, you can raise money so that the employees will have startup funds to operate the franchises. Job creation is essential for the community’s survival.

Write A Book To Raise Awareness of A Cause

If you just started a small business, you can help the community by writing a book to raise awareness about a certain issue that you want resolved. If your twin teenage sons have Down Syndrome and you feel that not enough is being done in the school system and by mental health specialists to prepare them for adulthood, this can be the basis of the book. Once the book is published you can send copies of the book to organizations that raise awareness of the issue, local clinics and hospitals, and schools.

Last Thoughts

There are numerous ways to give back to the community as a business owner and in addition to the above mentioned methods, you can seek out more creative ways based on what you are passionate about and your availability of resources. Even if you donate money to a charity each month, it is still enough to make a difference in someone’s life in the long term.

Make A Living Online With Niche Business Websites

create-niche-websiteChoosing a niche is usually the most difficult challenge people face when they begin a business online. It is very possible to spend weeks and months deciding what you actually want the basis of your website to be. It can be frustrating, and article is here for the purpose of taking the confusion and the difficulty out of the research process. This will help to increase your chances of choosing one that will benefit you and your wallet in the long run. You have the potential to create a new ecommerce Business as long as you don’t give up.

The possibilities are endless.  Just take a look at what’s available on the Internet today and see what we mean:

There’s a Niche for that:

Are you a swimmer?  Check out SwimOutlet.com

Bodybuilder?  Check out Bodybuilding.com

Aviation Enthusiast?  Check out PilotMall.com

We can spend all day listing examples of great niche style websites that do extremely well.  Get the picture?

Choose a Valued Niche

The most important thing that you must do is choose a niche that has a timeless value to it! You don’t want to sell goods that someone else has already manufactured and dominated the space with. When it comes to the product, you need a compelling reason as to why other people should want to buy yours, or you will fall into the same basic category. How can you sell a commodity online? The best way is to solve the pre purchase problems for your customer. Your content must be absolutely outstanding.

The majority of the online retailers will only address your first problem, but they did not take the time out to educate you on more than you had bargained for. By really understanding the niche that you’re choosing and the problems that readers face and also by providing them with great resources, you are doing yourself a huge favor.

By giving your customers value and solving their problems you will rack up a lot of cash. People will actually want to repay you for helping them so much and by offering them more than you had to. That is how you can establish yourself in the field; people like buying things from experts because if something goes wrong, they can get help from the person who sold the product – the expert.

Apply this to your Content

The ability to add value is so important in choosing a niche, and it’s so important to consider how you can do it. Think of it this way, the more complicated a product is the more content you have in educating your customers. When you take the mystery away from a product and educate them, they are much more likely to buy it from you.

Target the Right Customer

Do take note that all of your customers are not going to be easy to deal with. When you are deliberate with your customers, it can make a huge difference for you. You are going to want to spend time targeting the passionate hobbyists because when they are passionate about it they are willing to spend the money on it.

If you can actually find a customer base that is passionate about the hobby and then offer the products your chances are much greater. You are much more likely to have the upper hand in marketing your entire business, and it’s really easy to target these people. It’s also important to target those who have problems because if you can target them and offer a solution, you are bound to make some money.

Bathroom Use And Large Families: How To Stay Sane

familybathLike many other things, getting people in and out of the bathroom and off to school or work can be difficult if you are limited on bathrooms and space. The best way to avoid a bathroom jam is scheduling a time for everyone to use it and limiting grooming time as well. If a child is given a certain period of time or a schedule, then they have to stick to it every week day. This will also go towards the bath and shower time; some members will bathe in the morning, and some will bathe in the evening. Whatever the rules are and whatever you decide for the young ones, stick to it and be strict about it so that they know you mean business.

You should always limit the bathroom purely to bathroom activities: toileting, showering, brushing your teeth and washing up. Don’t just stand in your bathroom admiring that new bathroom vanity you just bought.  If there are any large mirrors throughout the house with outlets next to them, have the girls style their hair and makeup in another area of the house so that other people can use the bathroom to wash up. Create some various dedicated grooming areas and stick to them. You can even mount a mirror or purchase some portable mirrors. Keep a box of wet wipes around the house so that those can be used instead of the kids having to get into the bathroom all the time.

Many people take most of their organizations to their office or to their kitchen but forget about the importance in organizing their bathroom. A clean and well organized bathroom can be a huge help to any family but in particular, to a large family. Assign a cubby to each family and have them keep their personal items there. Consider getting storage shelves or wicker baskets, and if you already do have a large bathroom then think about getting a small chest that can be used to store extra towels or toiletries.

If you have some little ones that have difficulty in seeing in a mirror at the sink level, you should consider getting a mirror wall. You can do this by purchasing mirror tiles at your local hardware store. Mount them at varying levels so that regardless of your children’s height, they have a mirror to look in and aren’t crowding on benches by the sink. It’s always a reality that when children get older, they may have some things that are difficult for other members of the family to see. Make sure that you have areas available where they can put their personal belongings in. If you need to put a laundry hamper in the bathroom for their dirty clothes or undergarments, and the bathroom is big enough this may help with the dirty laundry in their room as well.

The best thing that you can do is teach your children how to be considerate; even college students sharing a bathroom with each other is much similar to siblings sharing a bathroom. Teach your children to be considerate of each other and that will go a long way in keeping things simple. They won’t be sharing a bathroom forever, but the chances are that they will move up to sharing with a roommate one day and then a spouse in the distant future. Teaching them how to be considerate now will serve them well throughout their lifetime.

Save More Money On Your Car Insurance Costs

Save moneyMost people do not consider their car insurance as part of the monthly cost of their car. They usually just consider their car payment. Too many people pay too much money on their car insurance and they do not even realize it. Believe it or not, there are several ways to save money on car insurance and it does not take much work to accomplish.

Ways to Save Money on Car Insurance

Shop Around: The first way to save money is to shop around and even look online. One of the best ways to shop around is to visit Esurance.com or Acceptance car insurance so you can get several quotes at one time.

Investigate Your Plan: Next, you should investigate what your car insurance actually covers. If you are paying a lot to insure an older vehicle that you do not drive, then you might want to sell the vehicle. However, if you have a car that you consider to be an asset because you own it outright, keep the car and keep it insured.

Bundle: You should always buy your car insurance and home insurance from the same company. When you bundle your insurance, you usually save money on what insurance companies call a multi-policy discount. If you have a boat or you rent, investigate whether your company insures those, too.

Think About Your Deductible: When you increase your deductible, your insurance premiums go down. But, you should only do this if you have enough money to cover the deductible if an accident were to happen.

Find a Discount: You should also ask about any discounts that you could qualify for with your insurance company. Ask about college diploma discounts, anti-theft device discounts, or even low-mileage commutes. You never know what you can get until you ask.

You can also ask about group discounts. Some people who belong to unions or credit unions are able to get discounts because of their membership.

Keeping Auto Insurance Costs Low: Maintenance Mode

Drive Safely: Once you have your car insurance, you should be conscientious about your driving habits. Do not speed so you do not get any tickets that will increase your rates. You should also avoid accidents because those can increase your rates, too.

Know Your Score: Believe it or not, your credit report will also help you with your insurance premiums. If you have good credit, you are probably a better and safer driver than someone with bad credit. If you can keep your credit clean, you will pay less money each month on your car insurance rates.

Be Average: The last way to save money on your car insurance is to drive a car that is not high on the car thieves’ list. Every year, insurance companies publish a list of the most commonly stolen cars, so you can easily find out how to avoid buying one of those. You can also stay away from sports cars, red or yellow cars, or unusual cars that draw attention. You should also avoid putting fancy wheels on your car or doing other modifications that draw attention to your vehicle.

The steps to saving money on car insurance are manageable and worth the effort. You just need to make a few phone calls or do some research online to keep more money in your wallet each month.

10 Realistic Ways To Lose Weight

Lose WeightThere are many easy ways to lose weight and most of them simply take a change of mind set.  Here are 10 quick ways to get started now!

Add, Don’t Subtract

Instead of thinking about what you cannot eat, think about what you can eat. Add tasty, healthy foods like snap peas, yummy grapes, and sweet raspberries. Add more vegetables into your diet and you will find that you get full faster and you will start burning the calories.

Forget About Working Out

Don’t think about exercising, but think about moving. Many people avoid exercise because it seems like work – especially if you call it ‘working out.’ Find something you enjoy, like walking on the beach, riding your bike, or cleaning the entire house.

Go Walking

Walking is one of the easiest ways to exercise, even if you can only do it for a few minutes. There are several ways to add variety so your walking does not become routine and boring. Take the stairs, park as far from the door as possible, participate in charity walks, use a push lawnmower, and encourage your committees to have walking meetings.

Lighten the Foods You Already Love

Enjoy the same foods you always love, but find lower-calorie options. Try a pizza without cheese, but with tasty vegetables instead. Drink light beer, flavored water, or diet soda. Choose baked snacks instead of fried. There are many options and you can be very creative.

Because Hydration Helps — Really!

When you have a big drink of water before you eat, you will not eat as much. If you love to snack, drink water or diet soda with ice chunks you can chew. If you are going to a party, choose a low calorie drink and hold it through the party, then you will be less likely to eat and drink too much.

Share and Share Alike

When you go out to eat, share a meal. Many restaurants serve huge portions, so when you want to lose weight, split the meal with a friend or family member. You can share more than just food, so it is worth checking out splitting a gym membership, too.

Tune In, Tone Up

Another fun way to lose weight is to try to come up with a way to combine television and exercising. Some people will do crunches or jumping jacks during commercials. Others will park their treadmills or exercise bikes in front of the TV.

Size Matters

A clever way to eat less is to use smaller plates. If you fill a smaller plate rather than have a little portion on a large plate, you will feel full and more satisfied faster. Drink from a smaller cup. You can also eat your ice cream with a tiny spoon and it will last longer.

Get Involved, or at Least Get to the Table

If you have other things to do, you will not eat because you are bored. Try out a yoga class or start writing. You can also make a commitment to only eat at the table, which will keep you from eating in front of the TV.

Lose It Today, Keep It Off Tomorrow

Losing weight takes time and when you respect that fact, it is much easier to keep it off, because you have learned the skills to keep the weight off.

A Few Thoughts On Buying Your First Home

First-time-home-buyersMany first time home buyers need a quick overview with the process of buying a home. Buying a home varies from state to state because of the local regulations, but there are basically five simple steps to successfully buying a home.

Hire an Agent

Home buyers should hire a real estate agent. This will help home buyers save time as the agent can find homes that fit their specifications so they only have to go the open houses that will be possibilities. Agents will know about new listings that are not on the market and when you hire an agent, you can let the agent drive you around to open houses rather than use your own car. Agents will also let you know what homes are priced appropriately and they can also preview homes to determine if they will meet your needs.

Find a Home to Buy

It is a good idea to look at no more than seven homes on your hunt. If you look at too many, you will become overwhelmed. Many buyers will do their research online to figure out what neighborhood best suites them, then they can quickly narrow down the potential homes that will fit their needs.

Get a Loan

Many first time home buyers do not realize how important this step is in the home buying process. It is a good idea to get preapproved for a loan before you start shopping because it will narrow your options by giving you a price range. Many sellers will not consider a buyer who does not have financing. Many first time buyers will use FHA loans and those who want to buy a foreclosed property usually have to use a traditional loan. Usually, your own bank is the best source for a mortgage loan on a first house.

Negotiate the Offer

It is unwise to compare sales prices of homes because seller because sellers can price their homes at any amount they want. Agents can find homes with comparable prices; they call them “comps.” These are actual sale prices that home buyers can use to judge what to offer on a home they want to buy. If the market is a seller’s market, you will often pay more for homes, but in a buyer’s market, the prices tend to be quite low. A good real estate agent will know what to offer and the agent can guide you in the right direction, because without a sale at any price, the agent does not make any money.

Do a Home Inspection

It is vital to make an inspection a contingency on any home you are considering buying. There are some states that require an inspection and some that do not, but you should never buy a home without a proper inspection. If you use a contingency contract, it means you can cancel the contract if the inspection shows too many flaws. No one wants to be forced into buying a home with a crumbling foundation or other expensive and necessary repair.

The inspection is not to force the seller to make those repairs, but it is to help the buyers know what they are buying. Sometimes, buyers can request that the seller makes certain repairs and sellers will do it if the repair is affordable and will help make the sale on complete.