Uncategorized Archive

Making Money Online: A Dream Come True

Making money online is the answer to many people’s dreams, whether a tired employee, a bored housewife, or an unemployed student. To some, the idea of making money online remains virtual and farfetched, but truth is, it is easy and accessible to all. The domains of making money online are wide-ranging, so anyone can find a way that suits him/her and matches his /hers interests and skills, including you!

To begin with, one of the most common methods of making money online is by selling products. After going around your house or garage, collect the things you don’t need any more and instead of throwing them away, earn some money for them. Vintage items are really sought after, and so are collectibles like coins and cards. A good place to start selling your things at is eBay, one the world’s leading e-commerce companies. You can also “sell” products indirectly. This is also known as affiliate marketing. Basically, it is recommending a certain product by posting an affiliate link. If someone clicks the link and buys the product, you get a commission. To increase the chances of success, it is best to make a web site that revolves around a certain type of product you want to sell. By posting articles about these products and embedding the affiliate links, you attract people already interested in them, thus boosting the possibility of potential purchases.

Another hit method of making money online is by writing. The great thing about this method is that you’ll be writing, whenever and wherever you want, about something for which you have a passion. Earning money for an article can happen in two different ways. You can either get paid once for writing the article, or you can get paid for every time your article gets a click. If you prefer the first way, which is called upfront payment, you can head to Demand Studios or Textbroker (one of the best) where you will find various writing tasks and choose the ones that go along with your interests. You can earn between $3 and $15 per article depending on the quality and length. However, if you prefer the second method, then you can deal with InfoBarrel, Snipsly, or many others. There, you can post articles and create a revenue that will build up every time your articles get traffic.

Finally, a really interesting way of making money online is by answering people’s questions. This can be either done by joining the customer service department of a certain site and helping people via live chat or email, or by answering random questions on sites, such as Fun Advice and Just Answer, about topics within your knowledge. Besides feelings a good sense of satisfaction for helping people out, you’ll be getting paid for it.

So, the next time you think about earning cash in an easy friendly way, remember that using the internet is a possibility. It has paid off for many people; it can pay off for you!

Which is a Better Investment – Property Or Shares?

As our economy moves out of the doldrums we are entering a new economic cycle and we are seeing the share market pick up and some sectors of the Australian property markets literally booming.

So the question I am posing today is: which is a better investment – property or shares.

If you asked Donald Trump he would say property is the only road to riches. On the other hand if you asked Warren Buffet he would tell you that you could become financially free by investing in the right shares.

Who is right, and which investment is right for you?

It should be fairly obvious by now that I believe income producing residential property is the best option for the average Australian and New Zealander to develop financial independence and I’d like to explain why.

In essence I said that while it’s really hard to outperform the long term averages in the share market (that’s why many managed funds try just to track the averages), it’s really very easy to outperform the averages when investing in property. You do this by buying well and buying the right type of property, one in a high growth area and one to which you can add value.

Let’s look more carefully at the reasons why I like property as an investment:

1. Property is an imperfect market. When I look to invest, I want to invest in an imperfect market. This means that I’m more likely to be able to buy an investment below its true value, or I can sell above its true value.

Let me explain this in more detail…

The world of shares is not a completely perfect market, but it’s about as perfect as it gets. That’s because it is a liquid market where investors are well informed. I can buy stocks at the same price as anybody else can. In general, the overall marketplace has the same information as I have, because for the most part the information is equal. This shared knowledge creates a more ‘perfect’ market.

On the other hand, real estate is what I would call an imperfect market. I know many people who have bought properties at 10, 15 or even 20% below real market value. If property was a perfect, liquid marketplace, you would not be able to buy a property considerably below its intrinsic value. I can do this every time, and so could you because information, contacts and expertise help you get an insider’s edge in an imperfect market.

2. You can add value to your properties. By adding value to your property, through buying well or through renovations, you can accelerate its rate of capital growth. On the other hand the fate of the value of your shares is completely out of your hands – it depends on how well the company, and the directors who run it, perform.

3. Property is a fundamental human requirement, but companies (and their shares) come and go. Unlike a business or corporation in which you can buy shares, property is a fundamental necessity. Everyone needs a roof over their head, whether they rent or own their own home, but let’s face it – companies come and go all the time. As a basic necessity, housing will always be in demand – it will always have value because we simply can’t live without it, which gives property the advantage over shares with less risk and greater stability over time – in other words, property is as “safe as houses”.

4. Kiwis love property and it will always remain popular whereas the share market downturn scared many away during the financial crisis. In Australia almost 70% of us own our own home and recent surveys show a huge number of Australian are considering purchasing an investment property over the next few years. While the home ownership rate in New Zealand is lower Kiwis seem to love property – this is partly because property, unlike shares, is a tangible commodity. You can touch it, see it and yes – live in it – and people like the security associated with property.

Additionally, everyone understands residential property – they have either owned, rented or lived in a home. It’s familiar and things that are familiar naturally feel safer. Shares on the other hand – well they represent unchartered waters for many. Considering the panic many investors experienced with huge share market losses during the recent financial crisis, more and more investors will turn to the safety of property as we move into better times.

5. It is easier to become an expert in property – there are fewer unknowns than with shares. While you might like to think that you can master the world of shares, on-line trading and corporate legalities and structures, the simple fact is that it is much easier to gain a sound comprehension of property investment than it is of shares. Sure it will require some learning to become an expert in property, but this is far less daunting for the beginning investor than trying to comprehend how the corporate world or the share market works.

6. Property can be leveraged via a mortgage. No other investment vehicle provides you with the opportunity to leverage 80 of its value in order to acquire more of it as a part of your portfolio. Not only that, if the value of your property investment falls (as may happen in the downward phase of the cycle), the bank don’t come knocking on your door asking for their money back as they do with margin calls on shares (unless of course you can’t meet the repayments). Even better, once you own property, you can leverage off of the growing equity you have in it to buy even more property.

7. Property has a proven rate of return. Property is a proven stable strong investment. When you can look back over ten, twenty, thirty, even fifty years, you get a picture of exactly how strongly property has increased in value over time.

8. Property values are less volatile than shares. Think about it…residential property is the only investment market not dominated by investors, and this effectively gives investors a built in safety net. Even if all the investors were to leave the market at once, it would not totally collapse.

9. Property is more tax effective than shares for investment. When you set up your property investment business, a raft of legal tax deductions (I like calling them loopholes) open up to you.

Still need convincing?

If you look at the results others have achieved, you have to say that property makes pretty good investment sense. According to the BRW Rich 200 list, property has consistently been the major source of wealth for Australia’s multi-millionaires. And it’s the same all over the world. Those that haven’t made their money in property generally invest their surplus funds in real estate.

With a new property cycle starting, maybe now is a good time for you to get into the property game?

Make A Healthy Lifestyle Change Now

Your health is determined by what you choose to eat, and whether you decide to stay physically active. Make no mistake that these are choices that you make. If you are trying to lose weight than disciplining yourself becomes necessary. Along the way learning how to live healthy and make a healthy lifestyle change is easier than putting the weight back on and starting all over. Losing weight is not an easy affair, you have to make certain choices and restrict yourself from eating comfort foods, which can be a difficult task. A regular exercise routine should also be a part of this lifestyle change. The task of losing weight requires you to change certain aspects of your life, such as, how you spend your free time and how you plan your day. Where do you fall on this lifestyle chart and how do you make the required healthy lifestyle changes that you desire.

Many of us race to achieve our professional goals while completely neglecting our health. The work we do involves no physical activity and most of us lead a sedentary lifestyle. Do a comparison analysis and decide if you need to change your lifestyle pattern. Start with calculating the time you spend sitting behind the work desk, car and computer and in front of the TV. Also include the time you require for eating out at restaurants, drinking alcohol, eating junk food or not sleeping. Now add the time you spend taking stairs(instead of the elevator), walking(instead of driving) and exercising. Getting rid of old habits is never easy, but if you are determined to a live healthy life then some changes are necessary. Choosing health over disease should not be a difficult choice for anyone.

We all follow our routines every day that include habits that are unhealthy. If you are ready to make a healthy lifestyle change then think about the time you go to bed, how you spend the free time, what you eat and how much activity you do with your family and friends. A healthy body leads to a healthy mind. Do not wait for the body to give you warning signals, take corrective measures before it’s too late. Making a healthy lifestyle changes is a big step to a long life.

Remember having a cluttered environment will drain your energy causing additional stress. De-cluttering your home and getting more organized with time and within your life will free up a lot of time and energy. Take care of yourself, as a healthy body can easily handle more stresses in life. Eating a healthy diet, exercising, getting enough sleep, being active and pampering yourself will take care of your body and make stress management easier.

Have a healthy lifestyle schedule and learn to say no to things that are incongruent with the way you want to live. Losing weight and staying fit demands a more disciplined life, therefore, be prepared and make all the right changes to get closer to your goals. Treat your body as a temple and surround yourself with a supportive social culture. Set goals and make the required healthy lifestyle changes to live a happy and cheerful life. Your body will thank you for it.

Snow Travel: Planning A Season At A Ski Resort

A season visiting a snow resort is an excellent choice if you love snow! It’s equivalent to a rite of passage amongst snow lovers. So how can you prepare to do a season?

Initially, you have to decide on which ski resort to venture to. It is important to select what kinds of terrain you like riding and what your level of skill is. You should avoid travelling to a ski resort with a significant amount of advanced terrain if you’re a beginner. Understand that the kind of snow you’d like to have should be considered as part of your selection process. If you want to ride deep powder, it’s essential to go to a resort that has a high annual snowfall and possibly a high altitude. The high altitude helps to keep the snow dry and powdery.

For acquiring a season pass, there are actually a wide range of approaches to go about this. Bear in mind that if you’re going to work for the resort, it is possible to obtain a free season pass. When you are not planning to work, the cheapest way to get yourself a season pass is to buy as soon as possible. Ski resorts commonly start selling their season pass six or more months in advance of each season. You can purchase your pass later but it means that you will miss out on any bargains that are available to pre season shoppers. You don’t want to overlook these special discounts simply because they frequently mean price savings of a few hundred dollars.

Whenever you are arriving from a different country, you’ll should consider looking into any necessary visa requirements. For anyone who is just visiting, you will just require a visitor visa. A number of countries have visa waiver arrangements so you may not even need to have a visa if your stay is only for a handful of months.

As for working, you might need a working visa or working holiday visa, except in cases where you won’t be leaving your home country. Work visas generally require a sponsorship and job offer from an employer in the country and can usually be troublesome to obtain. Another choice may be working holiday visa that is usually obtainable by most young adults aged 18-30 and residing in a developed country.

A great source for getting work is the job fairs held by tour companies in your country that concentrate on overseas work experience. Often, they could aid you to receive a sponsorship for getting a work visa or locate a job for you should you be entering using a working holiday visa. Their job fairs are usually held varying from a month to 6 months ahead of the season and information is commonly readily available on the tour company’s website.