Big Stick

You are going traveling. You have lots of expenses to cover. You need to pay for your air fare, your accommodation, your food, your travel while away, cultural experiences and the list goes on. You want to save money so you decide not to bother with travel insurance. You are going on the trip of a lifetime so nothing will go wrong. It’s an unnecessary expense so you don’t need it. Wrong. Very wrong. Traveling with out insurance can be the biggest mistake you make when organizing your trip and a very costly one.

What is travel insurance? Well there are two kinds of insurance to look at when traveling.

1. Travel insurance, (sometimes called trip insurance) which covers cancellations, delays, lost baggage and emergencies.

2. Travel medical insurance protects you against any medical expense while traveling.

Ideally, you need a combination of the two when traveling. 

Imagine these scenarios:

You are in Darwin, Australia when a cyclone hits the area. The city is devastated by the cyclone and all services shut down. You have to be evacuated and sent home. Your travel insurance will cover you for this. You do have travel insurance don’t you?

Your luggage goes missing in India. You need to buy new clothes and fast. Can you afford it in your budget? Of course you can, you took out traveler’s insurance – didn’t you?

Or what if you go surfing in Hawaii and take a big wipeout? You are so severely injured you need surgery and major medical assistance, and then are airlifted home. But that’s okay – your travel medical insurance covers all that. You have got it, haven’t you?

Travel insurance is there to protect you in case bad things happen on your trip. It is a necessary expense. Overseas medical costs can be astronomical if you are not insured. And if you are injured in a developing country, medical attention may not be as good as at home. If you are insured you can get flown home and attended to at no cost.

How To Owner Finance Your Home

You’ve seen the real estate ads in the classifieds section of the newspaper: “Owner Financing Available” or “Owner Will Carry”. An owner financed real estate transaction enables the buyer of the property to make payments directly to the seller.

This allows the buyer to purchase the real estate without having to apply for a mortgage from a bank or financial institution. The seller also has the option of selling the loan to an investor for cash.

Of course, there are lots of variables that work into a price offer including type of property, location, age of house, equity, is the buyer making the monthly payments, etc. These are just some of the things an investor likes to see. Investors buy all sorts of real estate notes and deeds of trust. Every house is different, every loan is different and every deal is different. Use the above list to make the loan more attractive to an investor.

ADVANTAGES OF OWNER FINANCING THE SALE

Sell Your Property For Your Desired Asking Price
A buyer may be perfectly happy to pay market value (and maybe more) for a house that requires a smaller down payment and that a bank won\’t help them finance.

Charge a Higher Interest Rate Than a Bank Would Give
By charging a higher interest rate than a bank (say 7.5 – 8.5%) you are, in effect, increasing the overall sales price of the property, and making the note more attractive for an investor.

Faster Sell
You can sell a home with owner financing a lot quicker than with bank financing and there can be tax advantages in spreading the buyer’s payments out over time (talk with an accountant about that).

Great Monthly Cash Flow Investment
Many owners simply like the idea that they can receive a monthly income and a high interest rate from a property even after they have sold it – and no longer have to worry about repairing leaky roofs or replacing dead water heaters.

Sell The Note To An Investor
A seller who owner financed the deal also has the option of selling that note to an investor for cash either right after closing or after waiting a number of months or years (give me a call or email and I can get you more information about selling your note).

It’s possible to start a home business online with very little
outlay and you can easily earn from $100 to thousands per day.

1. You want to escape the rat race. You’d rather spend the 2 hours
you waste every day with your family, or on a hobby. Running your
own business online you can stop the commute, and you can feel good
because you are helping to cut pollution too.

2 You can work part time building your new home business online until
you see it taking off. You aren’t giving up your bill paying regular
job to jump in without any income.

3 It’s possible to start a home business online with very little
outlay. Webhosting is cheaper than a bricks and mortar shopfront.
You already have the pc to access the net, it can start working
for it’s keep.

4 You can choose your own hours. If you have an appointment to keep
in the morning, start your online work in the afternoon. No one can
tell you “you can’t have that week off in August, Bill got in first”

5 If you work harder you can benefit directly, you put more hours in
and your online business makes more profit, your wages go up. Your
salary isn’t fixed by someone elses view of what you’re worth.

6 A lot of online business tasks can be automated, using readily
available tools. Emails can be automatically sent by
autoresponders, even regularly asked questions can be sorted and
answered by software.

7 A website works 24 hours a day without complaining. Even if you’re
on holiday your online business website can be working online for
you bringing in money.

8 Your online business can be as far reaching as you want, it can
offer something for your local community. It can equally sell to
people around the world, without penalty. It doesn’t cost any extra
to send an email to Australia, or for your website to be used to
make a purchase by someone in Europe.

9 Starting a home business online means you have a continuously
growing market as more and more people come online everyday.

10 It’s dress down day everyday. You can work in your pyjamas if you
want, nobody’s going to stop you in your own home. No more suits and
ties unless you want to wear them, but that’s your choice.

Have you ever wondered if a home business career is for you? Do you hate your nine to five job? Do you dread waking up in the morning? Very few people are lucky enough to work at a job they enjoy, but I’m happy to say that I’m one of them.

Using Your Talents For Your Stay At Home Business

I’ve worked at lots of dead end, gruelling and mind numbing jobs. Now I pull up a comfortable computer chair to my desk, sip on a hot cup of coffee and work from home writing articles like these ones. For me, it’s the best work from home job I could possibly have. Finding a home business career that suits you all depends on what it is you would like to do. For many people writing is something that comes naturally and with this gift you really can work from home.

Everyone can write, but few have the time or the inclination to do so. There are millions of web sites that need content, magazines that need articles, newspapers that want insightful news articles and that’s where I come in. For me this is an easy home business opportunity and probably the best work from home job I could have.

I even write fictional short stories and sell them to online and print magazines. It’s an easy home business opportunity that many people don’t even consider. All you need to do is be able to write, and finding joy doing so is a big plus too. There are hundreds of work from home writing opportunities on the internet and all you will need to do is register with a few freelancing websites and you are ready to start your home business career.

The great thing about my stay at home business is that I can choose to write to supplement my income, or you can go it alone and do it full time. All you have to do is find the work, target an area or become an “expert” in a certain subject…and write! This is probably one of the safest work from home jobs, you write and you get paid. Of course with this home business career it’s not the easy money that most people look for when they look for a work from home job, but if done correctly you really can make the money and create a successful home business career that will last a lifetime.