Start an Online Home Business Using Your Computer – Staggering Evidence Says You Must

If you are employed you should start an online home business using a computer. If you are unemployed you should go to your computer right now and start a home business on the Internet.

If you are breathing you are a very good candidate to make money online. Think about this.

I just read that nearly 1 out of 10 Americans are unemployed. There are 5 applicants for every job opening. Businesses are hesitant to hire because of the unstable economy.

Even industries thought to have job surpluses recently are showing more people applying than there are jobs. For example 9News in Denver did a story last night that students just out of nursing school are not getting hired.

You probably already know that in many states teachers jobs have been cut as school districts try to balance their budgets. Not everyone can just print money and run up more debt like the U.S. Government.

I was talking to my son last night about building websites, getting them established online, and then selling them for a profit. He is a sophomore in college majoring in education. Everyone should be starting an online business no matter where they are in their life.

Doctors and lawyers would be smart to create additional income streams online. So should truck drivers and car salesmen.

Here is what it does not take to get stared with an online business.

1. You do not need a college degree.

2. It does not matter where you live as long as you have internet access.

3. How much start up capital do you have? It doesn’t matter because there are many free ways to make money online.

4. Are you a man or a woman? The Internet does not care.

5. Your ethnicity makes no difference either.

Think about the reversal of numbers. 9 out of 10 people are employed and they are still buying things. Many of them shop online every month.

They have to buy things somewhere. Why not from you!

Digital information products from affiliate programs like ClickBank have always sold well online. Now you see more affiliate marketers selling physical products online too.

The nice thing about affiliate marketing is you do not need a product of your own to sell. The affiliate merchant provides it. They even give you a website coded with your affiliate i.d. number so you get credited whenever a purchase is made.

Many affiliate programs pay weekly, 2 times a month, or monthly. There are even instant commission affiliate programs if you need money right now!

Think long and hard about why you should start an online home business using your computer. Doing even a little research will show you how easy it is to get started.

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Government Seized Car Auction – Drive Home Used Cars Dirt Cheap!

Unless you are hibernating or watching too much football for the past years, you must have heard of government seized car selling dirt cheap. Everyday, for so many years now, government agencies have been selling seized cars to the highest bidder. (This is not only limited to surplus and repossessed cars. There are also boats, aircraft, electronic devices, office equipment, furniture, heavy machineries, and foreclosed or seized lots and houses.)

How is it possible?

It may sound to you that the government is so desperate to sell these seized cars but the truth is, seized vehicles occupy a lot of space, which in turn is equivalent to money spend on storage. So, the government agencies willfully sell these vehicles to anyone who is willing to pay for them through auction. Another reason is that the money generated from these government seized car auctions are extra income which will go back to public services.

How come I do not know this?

Government seized cars are not so commonly know to the public for obvious reasons. Government agencies will not spend on advertising these auctions. So very few people know which agencies have auctions unless the person is well informed.

Where are government seized car auctions held?

Government seized car auctions are held all across the country. There might be one near you. But no, it is not advisable to head to your local county or government building and ask about it. They will not likely give you such information. What you should do is to know where exactly to go. Here are some of the government agencies that hold seized car auctions:

– Federal law enforcement agency

– Local Police agency

– County Sheriff department

– Internal Revenue Service

– General Service Administration

– Small Business Administration

– State tax department

– US Bankruptcy Court

– US Customs

– US Postal Service

– US Marshall

Government seized car auctions are also available online. Most of these sites require a membership fee between $ 20 and $ 60 for you to be able to access the list of seized cars on sale. The main advantage of this is that you can conveniently bid for a car that is located thousands of miles from you. And since not so many people know about these plus the fact that the government wants to dispose these immediately, you can easily win any car you want at a very low price.

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Loans for Every Occasion: Home Loans, Payday Loans, Student Loans and more …

At some point in life, it is almost guaranteed that you will be applying for a loan of some sort. Paying cash for products and services is not only becoming obsolete, it's terribly inconvenient. Today, credit is a way of life, and as more and more people begin to shop online, plastic is the currency accepted everywhere.

The most basic of loans is of course, the credit card. Companies that issue credit cards make money every month that you carry a balance, and they are betting on the fact that you won't pay off the balance every month.

Some loans actually make good business sense. Why would anyone want to shell out $ 300,000 for a new home when they could get a Home Loan and pay $ 1,000.00 a month, and then deduct the interest paid from their income taxes? That three hundred grand could be put to work in other investments, and could conceivably earn more for you than you are actually paying for the house! And all that time, if you time it right, your house becomes more and more valuable.

There are also times when for many people things just aren't going well financially. An unexpected expense occurs and you find yourself just coming up short on your living expenses. Many types of loans exist for this type of situation, both secured and unsecured.

Maybe you just need some quick cash to get through the holidays, and intend to pay the loan off within the next few pay periods. Companies offering short term Payday Loans abound both on the Internet and off. Some with no credit check will transfer up to $ 1,500 into your bank account within 24 hours.

Student loans , auto loans, small business loans, personal loans, home loans, second mortgages, payday loans, government loans, bad credit loans, loans to consolidate other loans – there is a loan for just about any occasion out there.

The question is how much are you going to pay for your loan? And the answer to that depends in most cases on your credit history.

Your Credit History: Weather or not you get the loan, and how much it will cost you. It is never too early to start establishing credit, and the best way to do this is with a credit card. If you are finding it difficult to obtain a credit card because you have no history, you can always buy your history by applying for a secured credit card or line of credit. Put down $ 500 or $ 1,000 and borrow against it. Make sure the institution you are applying to reports to the major credit bureaus, use the line of credit and pay your bills on time, and voila – you have a credit history! There is nothing wrong with carrying a balance over, just pay the minimum or a bit more, and pay it on time! Creditors like to think they will be making some money off of you.

What Lenders

The Lucrative Role of the Import/Export Agent – A Great Way to Make Money From Home

Since the dawn of time, mankind has been involved in trade of some sort or another. The role of middleman followed not far behind. Today, the middleman – or agent – remains one of the most attractive business models for those with no capital to invest. And the added benefit is that, unlike franchisees, agents work solely for themselves. But, where do you begin to get into this kind of business? Well, a bright idea helps:

Here are three recent success stories:

  • Frank Audsley lives in Croydon, south of London. He’s making over €2,500 a month exporting wine to the Far East. In late 2010 he enrolled on a training course for Import/Export Agents with an utterly open mind on what sector to work in. “I really hadn’t any idea at all of what products to get started in. But one night I saw a short item in the news about Chinese people developing western tastes. A light went on my head and I went to check the course’s database of leads. I knew I’d seen a European Winery seeking export opportunities. Amazingly we had a deal agreed and the first buyers found within two months!”
  • Meryam Gul is a shopkeeper from North London. She imports Garden Fencing from India to the UK. She says “I always wanted to get involved in International Trade, as I saw relatives in Cyprus make a handsome living from it. “I discovered how to get involved in import and export without risking any capital – good news as I had few savings. The fencing opportunity just fell into my hands – an advertisement I saw alerted me to an Indian supplier seeking representation, and when I contacted him we really hit it off. I’ve since learned how to track down buyers for him, and the product is a good one and virtually sells itself. My husband looks after the shop now, I’m projecting an income of £50,000 in this, my second year of trading.”
  • Jamie Atwill is a local government worker in the Midlands. He imports organic olive oil from Portugal to Ireland and the Netherlands – “I was on holiday with my girlfriend in Galicia, where she comes from. We popped across to Portugal for the day and found this fabulous olive oil for sale at what amounted to a farm shop. We took details, but only on returning to the UK did we think about importing it here. My girlfriend did a bit of research and came up with the agency approach as the best for us – because we didn’t have any capital to spare. And just the very next day I spotted an advertisement for a home-study course the press. “Between us we got started by the end of the first manual, and within six weeks we had negotiated an exclusive deal with the farmer for Ireland and the Netherlands, and were already getting samples to wholesalers all over the two countries. We have nearly a dozen customers already buying

Home Security – Six Top Apartment Security Tips

As recently as eight years ago home ownership was at an all-time high. Part of the reason for that of course was government intervention. Democrats came to the conclusion that home ownership was a right of everybody and it was government job to help everybody get a home. So they did away with the traditional requirements of getting a mortgage.

They made it so easy to get a home that people who had no business getting a home got one anyhow-thank you federal government!

This ultimately led to the collapse of the housing market led by literally millions of foreclosures on those same homeowners.

Most of these homeowners were then forced out of their homes. They needed a place to stay. So an unintended consequence of all this has been a rise in the demand for apartments.

Apartment complex owners are enjoying record high occupancy rates.

For those people who live in an apartment complex, they may develop a false sense of security. It is true that more and more complexes have made it more difficult to gain entry, there still hundreds of thousands of them where there is no secondary security point of entry. There is your front door and that's it!

Every week I read or hear about an apartment dweller who is accosted by a complete stranger. There are several things that apartment dwellers can do to improve their security even if the apartment complex owners won't.

Several of these tips apply to homes as well. They have been proven over time to be the most effective. So here are the top six apartment security tips to improve your apartment security.

1. Lock your door even when you're at home. I always suggest that you use some kind of an alarm, preferably a wireless security system. That way if someone breaks in, especially when you're not there, your neighbors will know.

2. Lock your windows even when you're at home.

3. Change the locks on your front door. As a new apartment owner you are given keys to your place. You have no idea how many other keys there are floating around. Even if you have to pay for the keys it is worth it for the peace of mind.

4. Don't develop a false sense of security. Just because there may be an extra security point in your complex, they are not foolproof.

5. Apartment complexes are notorious for shaving costs, especially when it comes to lighting. They are notorious also for poorly lit parking garages and areas in between buildings. The bad guys love darkened areas

6. And lastly, if you don't have a peephole in your front door, demand that you get one. You should never open your front door unless you absolutely know who is there.

Follow these six apartment security tips then get some home alarms including a wireless security system and you will be way ahead of the game.

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Home Buyer Grants and Loans for the Disabled

Looking for housing, paying the mortgage, maintenance and bill payment can be a daunting task for low income earners especially with disability problem. The US government, state agencies and nonprofit organizations offer financial assistance, guidance, counseling and other necessary support to the disables through varied grants and loan programs for the purchase of home, paying home debts, mortgages, acquiring equipment, home repairs and improvement and other such dwelling necessities. With these grants a descent living even with limited economy seems to be affordable now.

Housing Grants for the Disabled

Department of Housing and Urban Development

There are many grant funded programs offered through the Department of Housing and Urban Development (HUD) for helping individuals with disabilities. They provide help in house purchase, renting a home and also assistance in obtaining housing vouchers. The federal housing program provides financial help to medium or low-income families in renting or purchase of a house. The main goal of this program is to make renting and purchase affordable for people with limited economy. The section 8 in the program proposes subsidies for both home owners and tenants. The Homeownership Voucher program helps the low-income disabled by providing vouchers for reducing the monthly mortgage payment or house rent.

The program can be availed by contacting the local public housing authority (PHA) and in case the PHA's don't offer ownership as an option, housing counselors can be contacted in the respective state. They are appointed by HUD and are certified to assist individuals with housing needs.

Habitat for Humanity

Habitat for Humanity is an option for disabled or low-income individuals in getting aid with down payments or mortgage payments. They can also provide other assistance such as zero-step entries, wide doorways and other needs. This is a global Christian non-profit organization that specializes in building accessible homes, through the mortgages being given through local, private, state and federal sources, volunteer work and donations. If selected by the Habitat for Humanity's family selection committee, then the organization will build the home.

The Habitat for Humanity has already built more than 250,000 houses all around the world, helping more than 1 million people spread across 3,000 communities to achieve a decent and affordable shelter. If you are also in need of a residence, apply for it today as after the initial application an average of 18 months is required for the Habitat for Humanity owners for attaining occupancy.

Home Ownership Voucher Program

Low level or moderate income disable families can now buy their shelter through the Home Ownership Voucher Program which is linked with the Department of Housing and Urban Development. Though not free of charge, this program enables in fulfilling monthly mortgage payments for the first time home buyers. The eligibility criteria for the program are:

• Applicants need to owe a home for the first time

• No family member should have had home ownership interest in the previous three years excepting displaced homemakers or single parents

• At least one member of the family must …

Grants For Home Repair – Money You Never Pay Back

Have you been thinking about home improvement, remodeling or extending your house but put the plan on back burner due to shortage of funds? Are you aware about grants for home repair and that you may qualify for one?

There are numerous free home improvement grants available that can actually pay off your costs for fixing your roof, installing energy efficient appliances and generally making your neighborhood secure. The funds that are required can be obtained through government grant programs. There are many private organizations also give grant money away every year.

Applying for and obtaining a grant for home repair does not require a credit check, income verification or collateral. All that is required is that you are over 18 years and a citizen. Typically, these grants are provided by local and state agencies though federal grants, but there are other places the resourceful individual can find grant money as well.

If you are approved for the grants, you never need to pay the funds back. Grants are tax and interest free and do not require repayment. As long as you are over 18 years, you can apply to as many grant programs you qualify for and keep the cash obtained. All that is essential is that you utilize the funds per the terms of the grant received.

There are numerous home repair grants available depending upon specific requirements. There are grants for repairing the home to make it more handicap friendly, adding ecological savvy appliances and even remodeling the home to fix up problems.

For more information on the currently available grants for home repair, you can access an up-to-date grant database listing the funds available in your area. The guidelines and qualification are listed along with to enable you to fill in the application and submit to get the most amount of money possible.

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How to Open a Halfway House Or a Recovery Home

To begin with, let us tell you that this article is going to smash any preconceptions out there regarding opening a halfway house in the USA. You do not need a license, permit, or any other document to open a halfway house. If any person, government official, government agency, zoning commission, etc. tells you otherwise, they are engaging in illegal and unfair practices. Know your rights (see bellow links to know your rights).

NATIONAL LAWS (ADA) ALWAYS SUPERSEDE LOCAL LAWS.

Just for a hypothetical situation; Let's say that 3 people who have depression decide to become roommates in a home. Should they be shut down and kicked out of the neighborhood because of their disability? Does that mean they have to get a license or permit to stay? Of course not. They are protected under the ADA (Americans with Disabilities Act), as well as other determinations (see links below) against such discrimination. Havingchemically dependent persons in a home is no different !!! Alcoholics and addicts have the same laws to protect them.

It is a well known fact that City Councils have tried to stop halfway houses in their neighborhoods by stating that a halfway house with alcoholics and / or addicts, in other words disabled persons, (and alcoholics and addicts qualify as disabled under the ADA), must not have roommates (as in 2 people in a room at a house), which prevents most halfway houses from opening.

If you have a house, and you want to open a halfway house, and your mortgage payment is $ 700.00 per month (see additional expenses at the bottom of this paragraph), there are many things to consider before accepting residents into your house. Let's say, hypothetically, you follow licensing and zoning guidelines. With the average charge to a resident with a substance abuse problem, being around $ 125.00 per week, you can see that if you went with what the license division / politicians tell you, (which are illegal tactics), you would be out of business shortly . Keep in mind that in addition to your mortgage payment are things such as: utilities, phone service, water, food, furniture, cooking utensils, beds, sheets- basically everything you would need to survive, etc.

On the other hand, if you did not license your house, you could put in 2 or 3 people in a room and keep your halfway house open. In other words, helping others to get a hand up at living sober. Please read more details below …

NATIONAL LAWS (ADA) ALWAYS SUPERSEDE LOCAL LAWS.

How to open a Recovery Home, Halfway House, Sober Living Home OR starting a Half Way House / Recovery Facility * – Resources to assist you. This article includes information on the standards and requirements of opening and operating a Halfway House / Recovery Home-NOTE: Not every county in the United States approaches standards and licensure in the same way-it is best to contact your local licensure department and / or zoning division.

The first thing you should …

Why You Should Install A CCTV System At Your Home

CCTV stands for closed circuit television; it was unearthed in the era of the 1940’s when it was first used to observe rocket launching closely in Germany by Siemens AG. CCTV is a type of video monitoring system based on strategically placed video cameras, which capture local footage to broadcast it either to a private network for real time viewing or to a video recorder for future viewing. In recent times, it has become an increasingly necessary factor in the security and surveillance of a particular area for business, governments, schools, military, commercial spaces and even homes.

CCTV system, a must at home

Nowadays, it’s necessary for the homeowner’s to install CCTV cameras in and around their home because of the rapid rise in the cases of trespassing, burglary, murders, vandalism, etc. With surveillance cameras installed in your home, you can monitor all the activities which are taking place in your absence.

CCTV footage as judicial evidence

Yes, it is true that CCTV itself can do anything to prevent the act of crime and it is just a mere audience. But, a CCTV camera installed at your home develops a feeling of doubt in the mind of the criminal. CCTV footage is very helpful to the police to investigate both criminal and domestic cases. Moreover, an image recorded by these cameras is judicial evidence to convict the criminal in court. Unlike human watchman, these cameras never go on leave and always work efficiently and reliably.

CCTV cameras protect you even when you are at home

CCTV cameras installed at the main entrance of your gate helps you to see who is at the doors so, that you can avoid opening the main door for anonymous individual.

Significant decrease in the cost of CCTV equipment in the recent years

CCTV cameras are no longer expensive to install in your home. In the last few years, many CCTV manufacturers have made much advancement in the field of security and surveillance to offer you affordable round the clock security.

Follow the privacy law

If you are thinking to install a CCTV system in your home, then you should comply with the privacy laws. This means ensuring that your CCTV camera is not pointed at other people’s houses, public property or other public spaces

Final words

If CCTV cameras are used responsibly and appropriately, then this security system surely has enormous benefits to the homeowners.

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Real Estate Appraisals – Get Yourself Prepared For Knowing the Value of Your Home

The collapse of the economy began with a reality wind blowing against the sub-prime mortgage house of cards. We are all living with the results of over aggressive lending practices and over active government intervention. With all these friends who needs any enemies?

As the market realigns, property valuations have plummeted. Some of you may even be "upside down" on your mortgages. Do you buy? Do you sell? Do you ride out the tsunami? This series will go through all the major questions that we normally encounter in determining the value of a property. What are the drivers? What are the inhibitors? What you need to know to get the best value.

What is Property valuation / real estate appraisal?

The purpose of property valuation is to provide a current market based value for a property in comparison to others in its immediate vicinity. So an appraisal is time, location and geography specific. It is a comparative value – not an absolute. Second, real estate appraisals are broken into two broad categories – residential and commercial. For the purposes of these papers we will be discussing strictly residential appraisals. Residential real estate appraisers are licensed by their respective states and have different levels of license levels based on the value of loan for the property. They have to take classes and pass certification tests to gain and maintain their license status. They are also usually bounded by county because of the way Multiple Listing Services (MLS) keep and sell their records. So a good appraiser really knows their geography and what to look for.

Why does it cost so much?

Real estate appraisers are traditionally independent contractors / business people – no appraisals = no money. So while you are paying a relatively standard one time fee (eg, $ 400) they have to make sure they get as many appraisals in as they can to make any profit at all. How's that? After all they've got your $ 400. An appraiser has to cover all out of pocket expenses the same as any business person (education, health insurance, MLS fees, liability fees, business insurance, state fees – the list goes on). In addition a good appraiser may spend anywhere from 3 to 6 hours in preparation (looking for comparables, etc.), have a 45 minute or more drive time to location, 2 hours driving comparables and taking pictures and then another 1 -3 hours writing the report and then if the bank wants more info or kicks anything back they have to invest the time to answer questions, etc.

Also, is they get your request from another appraiser or from one of these new rip off government created middlemen called AMCs – they may have to split the fee. These are all just the costs of doing business. So when someone stops by for 30 to 60 minutes with a tape measure know that it's the tip of the iceberg and you're getting a good deal.

Do I own the appraisal?