December arrives, and with it comes the Christmas season. For most, this will be a happy time. Family get-togethers, parties, gift exchanges, and a feeling that everyone is especially friendly now.
For others, though, this is a season of depression. Perhaps, someone has lost a loved one and they can barely face this holiday without them. Perhaps, someone has been alone far too long and the loneliness weighs heavy on them.
Even the shortened daylight hours of winter can bring on depression in a condition known as SAD, or Seasonal Affective Disorder. This mixed with the depressing affect of a holiday spent alone can drive some people to alcohol, drugs, or worse. Sometimes, only drug rehab can bring a person back to the real world and knowing that others really do care.
Take notice of those around you. Acknowledge their value to you. Reach out to them.
Jumat, 30 November 2007
Selasa, 27 November 2007
Can you make money from home?
I'm pretty sure by now we've all decided we actually can make some money from home. We can do this through a variety of means including selling on eBay or other online auction sites, letting advertisers pay for links to them, offering online services, and having AdSense or other ads on our sites.
Some of us will be more successful in these ventures than others, of course. It all depends on the individual drive and just how badly you want to make money from home. It also depends on whether you are trying to generate a full time income from home or just wanting to supplement the income from your job.
You will find "make money from home" blogs and articles all over the internet. To read them, you'd think that it's what everyone should be doing. While I personally believe that Moms should be seeking this kind of job, so she can remain close to her family and not be under the control of an employer, we have to remember that our society as a whole would actually fail if everyone worked from home.
Where would you shop for groceries, go out to eat, or buy your clothes?
I currently work full time at McDonald's and supplement my income pretty nicely through online enterprises. I haven't yet reached a point where I can afford to completely quit my job, though I am striving to do so. I'm a homebody and prefer to be here than going to a j.o.b. every day. But I also understand that without employees, businesses actually die. Employment is nothing to be ashamed of, for sure!
Some of us will be more successful in these ventures than others, of course. It all depends on the individual drive and just how badly you want to make money from home. It also depends on whether you are trying to generate a full time income from home or just wanting to supplement the income from your job.
You will find "make money from home" blogs and articles all over the internet. To read them, you'd think that it's what everyone should be doing. While I personally believe that Moms should be seeking this kind of job, so she can remain close to her family and not be under the control of an employer, we have to remember that our society as a whole would actually fail if everyone worked from home.
Where would you shop for groceries, go out to eat, or buy your clothes?
I currently work full time at McDonald's and supplement my income pretty nicely through online enterprises. I haven't yet reached a point where I can afford to completely quit my job, though I am striving to do so. I'm a homebody and prefer to be here than going to a j.o.b. every day. But I also understand that without employees, businesses actually die. Employment is nothing to be ashamed of, for sure!
Jumat, 23 November 2007
Very cold weather
Right now, it's only 33 degrees here, which is very cold when you're used to more moderate temperatures. I've got a heater running, but it doesn't seem to really be heating much beyond a few feet away from it. Predictions are for rain mixed with some wintry stuff and, although it probably won't stick, it makes me think that if our road gets icy I may have to park my car at the bottom of the hill and walk up and down it.
My footing isn't always that steady, so I also might need some cleated Adidas golf shoes to keep me from slipping down. Another back injury is just not what I need!
My footing isn't always that steady, so I also might need some cleated Adidas golf shoes to keep me from slipping down. Another back injury is just not what I need!
Kamis, 22 November 2007
Recovering from Thanksgiving
I did pretty good today and didn't eat my overfill on turkey and trimmings. I waited a reasonable time before I had dessert, too. So, although I'm tired tonight, I'm not in misery as I have been in past years.
Before, I'd eat so much that I thought maybe I should have gotten a life insurance quote beforehand, because surely I was going to die of overeating. This year, I promised myself that I wouldn't make me miserable from too much rich food. I took smaller portions on my plate and didn't go back for seconds. I have to admit, that was hard for me. The food was all so delicious!
How did your Thanksgiving go?
Before, I'd eat so much that I thought maybe I should have gotten a life insurance quote beforehand, because surely I was going to die of overeating. This year, I promised myself that I wouldn't make me miserable from too much rich food. I took smaller portions on my plate and didn't go back for seconds. I have to admit, that was hard for me. The food was all so delicious!
How did your Thanksgiving go?
Rabu, 21 November 2007
Affiliate marketing experiment
You may have noticed that lately, more of this blog's real estate contains some ad badges. This is an experiment to see if affiliate marketing can really work for me. I've selected companies I'm familiar with, and with which I've actually done business in the past. That way I know they are who they say they are, and will do what they say they'll do.
Probably the only downside is that I can't click them myself for the deals they offer. Still, if my readers find great deals on them, then I'm happy I was able to help.
Probably the only downside is that I can't click them myself for the deals they offer. Still, if my readers find great deals on them, then I'm happy I was able to help.
Senin, 19 November 2007
Keeping utilities low
Besides generating income from various sources, I have a goal to keep my utilities as low as possible through the use of alternative energy sources. I haven't taken the step into full solar usage yet, but I've entered it a little at a time.
For instance, instead of turning on a regular light inside at night, I use solar LED spotlights strategically placed inside the house. They aren't bright enough to read by, but I can certainly make coffee or do other simple tasks using only these lights.
I've also won an auction on eBay for a 12 volt solar charger. I'll get an inverter locally, maybe at Radio Shack or one of the auto parts places, to use with the inverter. Then, I can use the solar panel to charge my cell phone and maybe even my laptop battery.
I'm very conservative with energy usage anyway. I have compact fluorescent bulbs all through my house. They are bright, but are low wattage and cool. I only run my dishwasher and washing machine when they are full.
Anytime we save on utilities, shopping, and just spending in general, we are essentially paying ourselves a little extra money.
For instance, instead of turning on a regular light inside at night, I use solar LED spotlights strategically placed inside the house. They aren't bright enough to read by, but I can certainly make coffee or do other simple tasks using only these lights.
I've also won an auction on eBay for a 12 volt solar charger. I'll get an inverter locally, maybe at Radio Shack or one of the auto parts places, to use with the inverter. Then, I can use the solar panel to charge my cell phone and maybe even my laptop battery.
I'm very conservative with energy usage anyway. I have compact fluorescent bulbs all through my house. They are bright, but are low wattage and cool. I only run my dishwasher and washing machine when they are full.
Anytime we save on utilities, shopping, and just spending in general, we are essentially paying ourselves a little extra money.
Minggu, 18 November 2007
Clothing tactics
Since the weather is beginning to turn off a bit cooler, I want to be able to dress warmly and comfortably. Because I only wear dresses and skirts, this means that I need more substantial undergarments. This is why I shop for things like leggings, heavy tights, and chemises to wear under my regular clothes to keep me warmer.
Not only do I add extra layers when going outside, I wear extra layers inside as well, so I can keep the house cooler and save some money on heating. Of course, I don't keep it chilly in here at all. I tend to get chilled pretty easily. However, in an effort to keep my utility bills as low as possible, I do keep the heat turned down.
Not only do I add extra layers when going outside, I wear extra layers inside as well, so I can keep the house cooler and save some money on heating. Of course, I don't keep it chilly in here at all. I tend to get chilled pretty easily. However, in an effort to keep my utility bills as low as possible, I do keep the heat turned down.
Where does your money go? - series
Awhile back, I wrote a series of posts entitled "Where does your money go?". Because we are heading into the biggest shopping season of the year, I thought it might be appropriate to include them again now.
Where does your money go? - 1
Where does your money go? - 2
Where does your money go? - 3
Where does your money go? - 4
Where does your money go? - 5
Where does your money go? - 6
While I know we all want to shop for those we love, and get them the best gifts possible, be sure that you aren't neglecting the ordinary bills and necessities of life and that you don't allow your shopping trips to overshadow your business sense as well.
Where does your money go? - 1
Where does your money go? - 2
Where does your money go? - 3
Where does your money go? - 4
Where does your money go? - 5
Where does your money go? - 6
While I know we all want to shop for those we love, and get them the best gifts possible, be sure that you aren't neglecting the ordinary bills and necessities of life and that you don't allow your shopping trips to overshadow your business sense as well.
Christmas giving
While you're out shopping for the people on your list, remember those who aren't as fortunate as you. You can get some good gift ideas for them from places like Heifer International, Ronald McDonald House Charities, and Second Harvest. Giving to these organizations helps them to provide support, food, and even livelihoods to persons and families who are needing a hand up in their lives.
Pick up a few extra cans of vegetables to donate to your local Food Bank or church pantry ministry. Buy a few new toys for the Toys for Tots campaign. Pick an angel of the Angel Tree at your church or local business. None of this will cut into your regular shopping budget as much as you might think it will, and you will know that by giving, someone who wouldn't have had a very merry Christmas will have a brighter day instead.
Pick up a few extra cans of vegetables to donate to your local Food Bank or church pantry ministry. Buy a few new toys for the Toys for Tots campaign. Pick an angel of the Angel Tree at your church or local business. None of this will cut into your regular shopping budget as much as you might think it will, and you will know that by giving, someone who wouldn't have had a very merry Christmas will have a brighter day instead.
Jumat, 16 November 2007
Daily small business funding
With gas prices on the rise (they are near $3 a gallon here now), and the resultant price increases of items small businesses need to operate on a daily basis, it almost goes without saying that a small business needs a Small Business Credit Card. Finding the right card with the lowest rates and from the best financial institutions can be daunting unless you have someone like CreditCardSearchEngine.com on your side.
They do all the searching, and find the best available credit cards from sources such as Chase, Bank of America, Visa, and MasterCard. They present you with comparisons so you can make a decision that's right for your small business. Using a small business credit card could free up the daily cash flow and make it possible to pay all your business related expenses from one source. That would even benefit you at tax time, since you would have a good read-out of what you've spent and for what to give your tax preparer.
Taking care to pay off your balance each month can save you many dollars in interest, too, so that your expenses for having the card are kept very low.
They do all the searching, and find the best available credit cards from sources such as Chase, Bank of America, Visa, and MasterCard. They present you with comparisons so you can make a decision that's right for your small business. Using a small business credit card could free up the daily cash flow and make it possible to pay all your business related expenses from one source. That would even benefit you at tax time, since you would have a good read-out of what you've spent and for what to give your tax preparer.
Taking care to pay off your balance each month can save you many dollars in interest, too, so that your expenses for having the card are kept very low.
Are you a Starbucks fan?
Some of you probably invest a little here and there in the stock market. Whether you are investing through a broker, investing in your workplace through payroll deductions, or are part of a Money Market, you might be interested in reading about the recent drop in the Starbucks stock price.
Part of their problem seems to be oversaturation of the local markets. Here, in Big Town, there are at least three Starbucks stores that I can think of off the top of my head. This is a town of 50,000, so maybe they haven't overloaded the market here, but I tend to think they probably have.
I have been to Starbucks a few times. Yes, the beverages are tasty but they are also very expensive. McDonald's and now Sonic both feature premium flavored iced coffees. Sonic also has latte and expresso, and a variety of flavors for both iced and hot coffees. The taste is comparable to Starbucks' offerings, and about half the price.
Part of the problem with Starbucks, other than saturation, is the rising cost of ingredients which tends to increase the price at the consumer end. They continually introduce new flavors and each time it's really a shot in the dark whether those flavors will be a hit. It might serve them better to promote the tried and true flavors, offer specials on them from time to time, and find ways to reduce costs rather than finding new street corners where they can build yet another store.
Still, as far as investing goes, this could also be a good time to buy shares in Starbucks, while the price is down. Once they improve their strategies, the price will likely go up again.
Part of their problem seems to be oversaturation of the local markets. Here, in Big Town, there are at least three Starbucks stores that I can think of off the top of my head. This is a town of 50,000, so maybe they haven't overloaded the market here, but I tend to think they probably have.
I have been to Starbucks a few times. Yes, the beverages are tasty but they are also very expensive. McDonald's and now Sonic both feature premium flavored iced coffees. Sonic also has latte and expresso, and a variety of flavors for both iced and hot coffees. The taste is comparable to Starbucks' offerings, and about half the price.
Part of the problem with Starbucks, other than saturation, is the rising cost of ingredients which tends to increase the price at the consumer end. They continually introduce new flavors and each time it's really a shot in the dark whether those flavors will be a hit. It might serve them better to promote the tried and true flavors, offer specials on them from time to time, and find ways to reduce costs rather than finding new street corners where they can build yet another store.
Still, as far as investing goes, this could also be a good time to buy shares in Starbucks, while the price is down. Once they improve their strategies, the price will likely go up again.
What's your drug of choice?
I've discovered that one of the managers at work takes Prozac on a regular basis to maintain some kind of level thinking. Another one drinks tons of highly caffeinated beverages, to which she add several packets of sugar.
I've noticed that some workers eat a ton of food on their break. Others eat a lot of sweets.
None of these people would probably be considered as needing drug treatment, but it's obvious that although they aren't taking illegal drugs, their personal "drug of choice" is either legal or it's food. We all probably overindulge from time to time. However, even using food to somehow dull the senses still doesn't seem right. Certainly, it can lead to health issues.
The better way would be to step back and take some deep breaths. Maybe meditate on Scripture verses or think peaceful thoughts. Doing something other than putting too much food, too much caffeine, or too much Prozac into your body would be more beneficial in the long run.
What's your "drug of choice"?
I've noticed that some workers eat a ton of food on their break. Others eat a lot of sweets.
None of these people would probably be considered as needing drug treatment, but it's obvious that although they aren't taking illegal drugs, their personal "drug of choice" is either legal or it's food. We all probably overindulge from time to time. However, even using food to somehow dull the senses still doesn't seem right. Certainly, it can lead to health issues.
The better way would be to step back and take some deep breaths. Maybe meditate on Scripture verses or think peaceful thoughts. Doing something other than putting too much food, too much caffeine, or too much Prozac into your body would be more beneficial in the long run.
What's your "drug of choice"?
Rabu, 14 November 2007
Business ideas needed
If you look at the sidebar, you'll see the feed widget for Business Idea of the Day. I contributed one that was fed on November 8. You can scroll down to see it.
I strongly encourage you to put on your thinking caps and come up with a business idea you can donate to this organization. When it's accepted, a funding group loans money to a third world individual to help them get started as entrepreneurs. Helping people this way reduces the poverty in those countries and makes it possible for people to support themselves and even acquire more education.
Whether your business idea is as local as weaving or farming, or as advanced and working with fiber cable, there are people who can take your ideas and run with them for their own betterment and for the betterment of their family and community.
It cost you nothing but a few minutes of your time. What are you waiting for?
I strongly encourage you to put on your thinking caps and come up with a business idea you can donate to this organization. When it's accepted, a funding group loans money to a third world individual to help them get started as entrepreneurs. Helping people this way reduces the poverty in those countries and makes it possible for people to support themselves and even acquire more education.
Whether your business idea is as local as weaving or farming, or as advanced and working with fiber cable, there are people who can take your ideas and run with them for their own betterment and for the betterment of their family and community.
It cost you nothing but a few minutes of your time. What are you waiting for?
Wise shopping
Whether you'll be shopping on Black Friday or not, you should have a game plan in place before hitting the mall for your Christmas shopping. Begin with a list of names of individuals you'll be buying gifts for. Set a limit how much you'll spend for each, and promise yourself you won't go beyond that limit.
Assess how much you will really need to spend for Christmas gifts. Don't be concerned about spending more for one person than you do for another. The gifts for individuals shouldn't be based on some kind of equilateral spending goal. It's really OK to spend more on one person than you do on another, as long as the gift is well-chosen.
While your son may want a playstation 3, your daughter might want luscious bath accessories. There will be a price difference, but the items will fit the recipients' wishes.
Assess how much you will really need to spend for Christmas gifts. Don't be concerned about spending more for one person than you do for another. The gifts for individuals shouldn't be based on some kind of equilateral spending goal. It's really OK to spend more on one person than you do on another, as long as the gift is well-chosen.
While your son may want a playstation 3, your daughter might want luscious bath accessories. There will be a price difference, but the items will fit the recipients' wishes.
Are you working toward your dreams?
The Bible says "Faith without works is dead". Well, I also say "Dreams without action are dead". Having dreams you wish to attain is great. Everyone should have dreams for their own future. You should also be able to decide what progress you will make toward those dreams on a daily basis.
If you aren't working toward fulfilling your own dreams, who will?
Ask yourself, "Where will I be in attaining my dreams in 6 months? In 1 year? In 5 years?" Then make a commitment to put things into motion that will move you into making your dreams into reality. Decide what you need to do day-by-day and week-by-week.
Maybe you need to take some courses at a local college or junior college. Maybe you need to open a savings account and commit to paying yourself something each pay period. If you are working for yourself already, you may need to commit to paying your savings account as if it's an employee.
Write down your dreams and the steps you will need to take to fulfill them. Keep it posted where you can review it daily. Take an index card with you in your purse or billfold with the steps on it, so you can review it at other times. Every time you make a purchase, ask yourself if it will help you attain your goals or if it will actually set you back.
Exhibit self-control when it comes to purchasing things purely for entertainment. I'm not saying never have any entertainment in your life, but there are times when you may be making purchases purely out of boredom. Reviewing your goals might help you realize that those times can be filled productively. Yes, do have some entertainment, but don't let it rob you of your dreams.
Assess your possessions to make sure you aren't replacing things that still have a lot of usefulness in them. Don't go round in rags for clothes. Just be sure you aren't succumbing to the latest fashion fad. Buy clothes that don't become "old hat" with the very next season change.
I'm sure you can also think of ways to keep outside influences from robbing you of your own dreams. Feel free to share them here. We can all learn from each other.
If you aren't working toward fulfilling your own dreams, who will?
Ask yourself, "Where will I be in attaining my dreams in 6 months? In 1 year? In 5 years?" Then make a commitment to put things into motion that will move you into making your dreams into reality. Decide what you need to do day-by-day and week-by-week.
Maybe you need to take some courses at a local college or junior college. Maybe you need to open a savings account and commit to paying yourself something each pay period. If you are working for yourself already, you may need to commit to paying your savings account as if it's an employee.
Write down your dreams and the steps you will need to take to fulfill them. Keep it posted where you can review it daily. Take an index card with you in your purse or billfold with the steps on it, so you can review it at other times. Every time you make a purchase, ask yourself if it will help you attain your goals or if it will actually set you back.
Exhibit self-control when it comes to purchasing things purely for entertainment. I'm not saying never have any entertainment in your life, but there are times when you may be making purchases purely out of boredom. Reviewing your goals might help you realize that those times can be filled productively. Yes, do have some entertainment, but don't let it rob you of your dreams.
Assess your possessions to make sure you aren't replacing things that still have a lot of usefulness in them. Don't go round in rags for clothes. Just be sure you aren't succumbing to the latest fashion fad. Buy clothes that don't become "old hat" with the very next season change.
I'm sure you can also think of ways to keep outside influences from robbing you of your own dreams. Feel free to share them here. We can all learn from each other.
Jumat, 09 November 2007
Fit for the battles
You would think that with a job like mine, I'd be more physically fit for taking on all the challenges life throws at me. Things like longer working hours or dealing with bills. However, I'm beginning to wonder if all the steps I take at work count for nothing, now that I've been there over a year. I'm sure I walks several miles a day in my job, but I probably need to add additional walking and exercise, or even get home gym equipment like my sister has.
She walks on her treadmill every single day. She also is part of a swim exercise group that meets a few times a week at the college indoor pool. Exercise doesn't just tone the muscles, it's good for women my age because it helps strengthen bones that could be weakened due to osteoporosis.
She walks on her treadmill every single day. She also is part of a swim exercise group that meets a few times a week at the college indoor pool. Exercise doesn't just tone the muscles, it's good for women my age because it helps strengthen bones that could be weakened due to osteoporosis.
Declining PayPayl Money Market
The PayPal Money Market just keeps on dropping. Today, it's down to 4.76%. It's making me wonder if I should just pull out or hang in there, hoping for a rise. This still beats savings accounts at local banking institutions, but I'm not real pleased with this continued decline.
I'll watch this a little while longer and if it drops to near savings account interest rates, I'll probably drop it. The idea is to earn money, not lose it. Since Money Market isn't FDIC insured, I actually could stand to lose a lot on deep declines.
I'll sit it out a little longer before I make a final decision, though.
I'll watch this a little while longer and if it drops to near savings account interest rates, I'll probably drop it. The idea is to earn money, not lose it. Since Money Market isn't FDIC insured, I actually could stand to lose a lot on deep declines.
I'll sit it out a little longer before I make a final decision, though.
Temporary storage option
Unless you are independently wealthy, you may want to explore some options for temporary storage of items you plan to list on eBay or sell locally. Later on, you can invest in some sort of storage building or even may want to rent a storage unit close to you. Until then, if you have a garage or carport, you could set cases of goods on pallets, then use car covers to protect them from dust, dirt, and moisture. These could possibly even be used outside, in your backyard.
They would make it possible for you to get the items you want out easily, then cover it all back up again when you're finished. When you aren't using them, they can be neatly packed away until the next time.
They would make it possible for you to get the items you want out easily, then cover it all back up again when you're finished. When you aren't using them, they can be neatly packed away until the next time.
Kamis, 08 November 2007
Car insurance increase
I renewed my car insurance policy today and learned it's been increased. According to the agent on duty, it wasn't just mine. Everyone's went up - some more than others. Mine increased by about $6 a month, which isn't so bad, I suppose, compared to some others that had gone up about $25 a month.
The agent assured me this was just a general price increase having nothing to do with my driving record. I didn't figure it related to my driving record since I've never had a moving violation in my life. I am a defensive driver and take care to obey traffic laws at all times so that I don't get a ticket.
A traffic ticket is a pure waste of money, in my opinion. It's expensive enough to own and maintain a vehicle these days. I sure don't want to waste money on tickets!
The agent assured me this was just a general price increase having nothing to do with my driving record. I didn't figure it related to my driving record since I've never had a moving violation in my life. I am a defensive driver and take care to obey traffic laws at all times so that I don't get a ticket.
A traffic ticket is a pure waste of money, in my opinion. It's expensive enough to own and maintain a vehicle these days. I sure don't want to waste money on tickets!
Work and payments
It seems that very little of my regular income can be saved after making payments and paying bills. I'm sure I'm not alone in this, though. Most Americans live paycheck to paycheck. Sometimes, it's not even that good.
Regardless, I am glad I have enough money to pay bills with and stay afloat. What worries me most, probably, is what if I got sick and couldn't work for a time? I think I'm going to check into some kind of insurance that will cover payments and bills, if nothing else, if I couldn't make enough due to illness to cover them.
Any suggestions?
Regardless, I am glad I have enough money to pay bills with and stay afloat. What worries me most, probably, is what if I got sick and couldn't work for a time? I think I'm going to check into some kind of insurance that will cover payments and bills, if nothing else, if I couldn't make enough due to illness to cover them.
Any suggestions?
Rabu, 07 November 2007
Need an answering service?
When you're involved in a home business, incoming phone calls can be very important to you. However, too many of them can leave you drained from fielding them and getting little else done.
Not only that, but there are times you will be away from your phone and no one's there to answer it. This might be a good time to employ Map Communications Answering Service. Right now, they are offering a free trial period of seven days so potential customers can try this service for themselves.
This isn't limited to mere Answering Services, of course. MapCommunications.com offers call screening, emergency call services, a nationwide 800 number for your business, voicemail, online messaging through email or the web, and other important services.
How much of these services you want to use is up to you. A small business may only need them for answering calls. Larger businesses may want to incorporate many more of the options available. MAP can not only answer calls, but they can facilitate order taking and payments through their services. Their voicemail offers you storage space for up to 100 messages.
You aren't obligated to a long term contract, either. This is a month-to-month service. They use time-based billing, which means you only pay for the service you use and not for the service you thought you might use.
Not only that, but there are times you will be away from your phone and no one's there to answer it. This might be a good time to employ Map Communications Answering Service. Right now, they are offering a free trial period of seven days so potential customers can try this service for themselves.
This isn't limited to mere Answering Services, of course. MapCommunications.com offers call screening, emergency call services, a nationwide 800 number for your business, voicemail, online messaging through email or the web, and other important services.
How much of these services you want to use is up to you. A small business may only need them for answering calls. Larger businesses may want to incorporate many more of the options available. MAP can not only answer calls, but they can facilitate order taking and payments through their services. Their voicemail offers you storage space for up to 100 messages.
You aren't obligated to a long term contract, either. This is a month-to-month service. They use time-based billing, which means you only pay for the service you use and not for the service you thought you might use.
PayPal Money Market
I gave you my results for my debit card Cash Back Bonus. It's too bad the Money Market isn't paying out as well as I'd hoped it would. This last time, I only received $1.51 from that.
I realize that low amount is due to a couple of factors. One is that the interest rate has dropped to 4.88%. If it goes up, I'll fare a little better.
Another factor is that my PayPal balance isn't as high as I'd like it to be so I can see a better return. I leave all I can in there, but I do want to use the money from time to time. Otherwise, what's the point in having it and having the debit card?
It looks like using the money with the debit card actually pays better than saving it for Money Market. It's really something to think about.
I realize that low amount is due to a couple of factors. One is that the interest rate has dropped to 4.88%. If it goes up, I'll fare a little better.
Another factor is that my PayPal balance isn't as high as I'd like it to be so I can see a better return. I leave all I can in there, but I do want to use the money from time to time. Otherwise, what's the point in having it and having the debit card?
It looks like using the money with the debit card actually pays better than saving it for Money Market. It's really something to think about.
Bad credit loans
I won't go into all the sordid details of why, but I do have bad credit. I've been striving to put that behind me, but it's not an easy road. In the meantime, I'm denied a loan to buy a house and land because I'm perceived as a bad risk. I can understand that. If I were a financial institution, I'd see me as a bad risk, too.
Still, I'd like to prove myself worthy of a loan, and it looks like I might be able to do that by looking into bad credit loans that are now available. I'm just one among many Americans who face this dilemma - I need to borrow money to get a house and land or a cabin and land, but I can't do that from local lenders.
So, I'm going to be looking into getting a home loan from another source, such as Lending Tree. Of course, I won't just jump into it. I still want to be a smart consumer and a smart borrower, which means looking at all the details very closely.
I found Lending Tree at BadCreditOffers.com, which is a free service. They research the credit industry to find these kinds of offers so consumers with bad credit can consolidate bills, repair their credit, or find the loans they need.
Have any of you had any experience with Lending Tree or another bad credit loan source? I'd love to read your input.
Still, I'd like to prove myself worthy of a loan, and it looks like I might be able to do that by looking into bad credit loans that are now available. I'm just one among many Americans who face this dilemma - I need to borrow money to get a house and land or a cabin and land, but I can't do that from local lenders.
So, I'm going to be looking into getting a home loan from another source, such as Lending Tree. Of course, I won't just jump into it. I still want to be a smart consumer and a smart borrower, which means looking at all the details very closely.
I found Lending Tree at BadCreditOffers.com, which is a free service. They research the credit industry to find these kinds of offers so consumers with bad credit can consolidate bills, repair their credit, or find the loans they need.
Have any of you had any experience with Lending Tree or another bad credit loan source? I'd love to read your input.
PayPal Cash Back bonus
In the last 30 days, I've received $3.72 in Cash Back Bonus funds from my PayPal debit card. Is it worth it? I think so. That's not a lot back, but keep in mind I haven't used the debit card exclusively. I have also used my bank cards from time to time, and I get nothing back from them.
Learning how much your PayPal debit card is paying you back is fairly simple. Go to your complete history. In the drop-down menu for Search/Show, select your debit card choosing either simple or advanced. They both will give you the amounts of Cash Back Bonuses you've received and you don't have to search through every transaction for the month.
I searched from October 8 to November 7 so I could just see what one month's worth of Cash Back Bonus would be. The more I use my debit card, and select "credit", the more money I'll get back. This tempts me to upload more funds from my bank account so I will use the debit card more.
Learning how much your PayPal debit card is paying you back is fairly simple. Go to your complete history. In the drop-down menu for Search/Show, select your debit card choosing either simple or advanced. They both will give you the amounts of Cash Back Bonuses you've received and you don't have to search through every transaction for the month.
I searched from October 8 to November 7 so I could just see what one month's worth of Cash Back Bonus would be. The more I use my debit card, and select "credit", the more money I'll get back. This tempts me to upload more funds from my bank account so I will use the debit card more.
Dishwashers
As I mentioned in my previous post, I've got my dishwasher running. I'll have a second load to wash in it, once it's finished. I've been remiss in seeing to that duty.
I got this dishwasher for free and it's served me very well the past four or 5 years. However, now the place where you put detergent is broken. Well, the "gate" that keeps the detergent in place until it's time to release it, anyway. So I just put the stuff in that place and turn it on anyway. The problem is that it's using the detergent on the first part of the cycle instead of rinsing the dishes and getting rid of soil first, then washing them. I do pre-rinse to prevent the soft food disposer from getting too much gunk in it. An older, used dishwasher really needs to be babied a bit.
When I move, I'm leaving that one here, though, and will be shopping for another one. In the meantime, I can be doing some research about brands such as Bosch Dishwashers over on Krillion.com. I can learn the various cycles and functions, their energy rating, and places where I can buy them locally. That will save me a lot of time when I'm ready to buy.
As they say, "time is money", and in this case, using my time beforehand for research should pay off in a good, local deal.
I got this dishwasher for free and it's served me very well the past four or 5 years. However, now the place where you put detergent is broken. Well, the "gate" that keeps the detergent in place until it's time to release it, anyway. So I just put the stuff in that place and turn it on anyway. The problem is that it's using the detergent on the first part of the cycle instead of rinsing the dishes and getting rid of soil first, then washing them. I do pre-rinse to prevent the soft food disposer from getting too much gunk in it. An older, used dishwasher really needs to be babied a bit.
When I move, I'm leaving that one here, though, and will be shopping for another one. In the meantime, I can be doing some research about brands such as Bosch Dishwashers over on Krillion.com. I can learn the various cycles and functions, their energy rating, and places where I can buy them locally. That will save me a lot of time when I'm ready to buy.
As they say, "time is money", and in this case, using my time beforehand for research should pay off in a good, local deal.
Home keeping
Because I don't have to be at work until 7 PM, I'm getting a few things done here at home.
The dishwasher is running. I've got a pot of pinto beans cooking. I'll get floors swept and trash dealt with, too.
Later today, I need to get to Big Town and pay my car payment as well as renew my auto insurance. That won't take long, though, and I don't have any other "town" plans beyond that.
Also, Elizabeth's boyfriend will come by and get a propane bottle to get it filled for me. Not having a truck to drive limits my ability to get propane for myself, though I hate to ask him to do this. However, he's a very nice guy and readily agreed to get it for me. I might let him take two bottles with him so I have plenty on hand.
I use it for heating and it was 36 degrees this morning! Brrrr!
Of course, I'll see if I can gain a little income from online sources. I have enough time to do that and I hate to go a day with nothing coming in money-wise.
The dishwasher is running. I've got a pot of pinto beans cooking. I'll get floors swept and trash dealt with, too.
Later today, I need to get to Big Town and pay my car payment as well as renew my auto insurance. That won't take long, though, and I don't have any other "town" plans beyond that.
Also, Elizabeth's boyfriend will come by and get a propane bottle to get it filled for me. Not having a truck to drive limits my ability to get propane for myself, though I hate to ask him to do this. However, he's a very nice guy and readily agreed to get it for me. I might let him take two bottles with him so I have plenty on hand.
I use it for heating and it was 36 degrees this morning! Brrrr!
Of course, I'll see if I can gain a little income from online sources. I have enough time to do that and I hate to go a day with nothing coming in money-wise.
Selasa, 06 November 2007
Trade shows
As an entrepreneur, you may be interested in attending trade shows, products conventions, and trade fairs so you can get your business in front of the public eye and also in front of other business owners. Making a good first impression is important at such events. The ones I've attended have had some great trade show exhibits, trade show displays & trade show booths set up, and some not so great. It's easy to understand that your booth, properly set up with attractive displays, will gain more notice from passers-by.
You will want to present a professional face to those who attend the trade shows, and yet you want your booth to be inviting. Offering brochures, having the wall behind you boldly display your business, a floor covering, and table covers and easels with coordinating colors and succinct information are very important. You may only have one chance to get the attention of the hundreds of people who will stroll by your booth. Make your display an attention getter.
You will want to present a professional face to those who attend the trade shows, and yet you want your booth to be inviting. Offering brochures, having the wall behind you boldly display your business, a floor covering, and table covers and easels with coordinating colors and succinct information are very important. You may only have one chance to get the attention of the hundreds of people who will stroll by your booth. Make your display an attention getter.
Best Buy rewards programs
A number of places offer rewards programs for shopping with them. If you shop with Best Buy, you earn points that convert into money off coupons for just about anything in their store, either local or online. Their rewards programs also lets you choose what kind of rewards you can get for this upcoming holiday season.
If you know teens in need of assistance, or perhaps your family needs this program this year, do contact Toys For Tots to learn the details.
- If you spend $500, you can earn $15 (750 points) in bonus points.
- If you shop before 11 AM any day except Black Friday, you can earn double points.
- If you buy certain brands, you can earn triple points.
- You can get a 6 month free trial of their online data backup service
- You can donate the value of all your points to Toys For Teens.
If you know teens in need of assistance, or perhaps your family needs this program this year, do contact Toys For Tots to learn the details.
Minggu, 04 November 2007
Shipping and receiving
I've experienced mis-directed shipments for things I've ordered. Have you? Not too long ago, a shipment was dropped at the wrong house, just up the road from me. However, the neighbor never did bring the package to me and I'm not even sure which house got it. The carrier insisted it was left at the correct house, so I didn't even have any recourse for a refund of either the items or the shipping fees.
One reason for the mis-directed shipment was because my house marker is quite faded now and really needs to be replaced. It's important not only for receiving shipments that address plaques, markers and Residential Mailboxes be clearly written, but it's vital if you ever need emergency services at your house.
The decor on the exterior of your home isn't only for beauty and aesthetics, although that's important, it's also to let others recognize your residence and know they're at the right place. Clearly visible address numbers on your house or mailbox, incorporating your unique style, are the easiest and loveliest ways to ensure that your house can be located.
One reason for the mis-directed shipment was because my house marker is quite faded now and really needs to be replaced. It's important not only for receiving shipments that address plaques, markers and Residential Mailboxes be clearly written, but it's vital if you ever need emergency services at your house.
The decor on the exterior of your home isn't only for beauty and aesthetics, although that's important, it's also to let others recognize your residence and know they're at the right place. Clearly visible address numbers on your house or mailbox, incorporating your unique style, are the easiest and loveliest ways to ensure that your house can be located.
Success through helping others
This post will not be about how to make money from home. There will be other posts for that subject. What I want to know is -
Everyone is given a talent or a gift that can be used to help someone else. When you remain turned inward, only seeking your own success either in your career or in your home business, you actually begin to fail. Until you begin reaching outside of yourself, moving outside of your "comfort zone", and extending a hand toward another person who needs it, you will never truly be a success.
We all know that big names such as Bill Gates, Susan Sarandon, Peter Belisi, Oprah, and Nicole Kidman all reach beyond themselves to give something back to the world. "Oh", you say, "it's easy for them. Look how wealthy they are." Yet, there's more to it than gaining wealth before you help others. You must have an internal mindset that steers you in that direction first, and that's not something that magically appears when the money rolls in.
You can develop that mindset - the mindset of giving - now, before you have reached the goals of income you have set for yourself. You can begin by giving to local food banks, women's shelters, orphanages, or soup kitchens. Give your time. Give your money. Give food or clothing or personal items like soaps and toothbrushes. Give generously.
Giving never winds up with you having less. I have found over the years that the more I give, the more I have to give.
Be a real success. Help someone.
What are you doing to help others?
Everyone is given a talent or a gift that can be used to help someone else. When you remain turned inward, only seeking your own success either in your career or in your home business, you actually begin to fail. Until you begin reaching outside of yourself, moving outside of your "comfort zone", and extending a hand toward another person who needs it, you will never truly be a success.
We all know that big names such as Bill Gates, Susan Sarandon, Peter Belisi, Oprah, and Nicole Kidman all reach beyond themselves to give something back to the world. "Oh", you say, "it's easy for them. Look how wealthy they are." Yet, there's more to it than gaining wealth before you help others. You must have an internal mindset that steers you in that direction first, and that's not something that magically appears when the money rolls in.
You can develop that mindset - the mindset of giving - now, before you have reached the goals of income you have set for yourself. You can begin by giving to local food banks, women's shelters, orphanages, or soup kitchens. Give your time. Give your money. Give food or clothing or personal items like soaps and toothbrushes. Give generously.
Giving never winds up with you having less. I have found over the years that the more I give, the more I have to give.
Be a real success. Help someone.
Sabtu, 03 November 2007
Writing
I am currently looking into a site that accepts freelance writers, web designers, website developers, programmers, and others so that businesses can outsource those things that they do not have the skills for. Naturally, I'm leaning toward the writing end of it, and am looking into it further.
I think this could be a good way to generate some income - freelance writing. I'm already writing every day anyway. This could also be a good place for businesses to find those persons with special skills to do some work for them.
Is there some special skill or training you have that is currently untapped at your job? You might want to go give this site a look and see if they have a spot for you. This could be the very answer you are seeking to how to come home again.
I think this could be a good way to generate some income - freelance writing. I'm already writing every day anyway. This could also be a good place for businesses to find those persons with special skills to do some work for them.
Is there some special skill or training you have that is currently untapped at your job? You might want to go give this site a look and see if they have a spot for you. This could be the very answer you are seeking to how to come home again.
Invest a little
I am really wanting to find ways to reduce my bills while not sacrificing every comfort I have now. One way I'm doing this is by investing a little in some solar devices. I can use these on an everyday basis, and they'll be especially handy during any power outages we might have.
Now, I have to tell you, going solar or using any other alternative energy source isn't cheap. It should, however, pay off over the course of time. I'm entering the movement in small steps, beginning with some solar lighting devices. I have more to say and show you about that on my Forward Thinking blog.
Reducing the amount of my income that leaves my hands is one way to improve my lifestyle. I am also looking into ways to increase my income without having to work more hours at McDonald's. This, of course, it the push of this blog. Finding ways to generate income that really work.
Now, I have to tell you, going solar or using any other alternative energy source isn't cheap. It should, however, pay off over the course of time. I'm entering the movement in small steps, beginning with some solar lighting devices. I have more to say and show you about that on my Forward Thinking blog.
Reducing the amount of my income that leaves my hands is one way to improve my lifestyle. I am also looking into ways to increase my income without having to work more hours at McDonald's. This, of course, it the push of this blog. Finding ways to generate income that really work.
Children and allowances
Everyone likes to be rewarded for a job well done. Children are especially keen on rewards. They enjoy anything from a sticker to a small allowance for helping out around the house. I never had any problem giving my own children a small allowance when they went above and beyond in their chores, while I did expect some chores to be done purely for the benefit of the whole family.
With PAYjr, you can assign an allowance to a Target gift card for your child, based on his performance with his chores. You can print out a Chore Chart from the PAYjr.com site. You can also add funds to the card automatically, electronically, and directly. The card is free, by the way.
I really like the fact that you can also assign only a certain amount for spending and the rest for savings, so your child can't spend every dime he earns. This helps establish a habit of saving and helps the child learn the real value of money. You can even set up reminders on the site. It's all in your control.
Foster an entrepreneurial spirit in your child through this system. I wish I'd had access to something like this when my children were young.
With PAYjr, you can assign an allowance to a Target gift card for your child, based on his performance with his chores. You can print out a Chore Chart from the PAYjr.com site. You can also add funds to the card automatically, electronically, and directly. The card is free, by the way.
I really like the fact that you can also assign only a certain amount for spending and the rest for savings, so your child can't spend every dime he earns. This helps establish a habit of saving and helps the child learn the real value of money. You can even set up reminders on the site. It's all in your control.
Foster an entrepreneurial spirit in your child through this system. I wish I'd had access to something like this when my children were young.
Scrap book kits
A friend of mine sells scrapbook kits on eBay. She has tools and die cutters for making various alphabets as well as tags and other small items people place on scrapbook pages. Now, I have to tell you, scrapbooking is highly popular and has been for several years. It seems to be holding its own pretty well as far as crafts go.
If you are an avid scrapbooker, you might want to consider creating and selling themed scrapbook sets so that people can simplify their projects. Including things like papers, die cut items, buttons, lace, or slide frames you've already painted or covered in a themed kit might help spark someone's imagination enough for them to become involved in the craft.
Of course, be sure your items are all acid free, but a kit that has enough items to make 3 or 4 pages could easily sell for $15 and higher, depending on the amount of embellishments you include. People who don't have the tools will gladly pay for everything to be done by someone else. Even making embellishments from your own scraps would be acceptable, since scrapbooking in a thrifty and frugal way would include these sorts of things.
You also might be able to take orders for special themes and colors, for a bit higher price, of course, so people's scrapbook pages are more personalized.
Hobby shops will have clear packaging to place the themed kits in. You can print package tops to staple onto the finished kits with your own self-designed logo and other information. I suggest using card stock for these since it's a bit tougher and will hold up to shipping better. Shipping should be done in padded envelopes to protect the kits from bad handling by the Post Office or your favorite ground shipping company. Some cardboard inserted in the package or the envelope will help prevent bending, as well.
If you are an avid scrapbooker, you might want to consider creating and selling themed scrapbook sets so that people can simplify their projects. Including things like papers, die cut items, buttons, lace, or slide frames you've already painted or covered in a themed kit might help spark someone's imagination enough for them to become involved in the craft.
Of course, be sure your items are all acid free, but a kit that has enough items to make 3 or 4 pages could easily sell for $15 and higher, depending on the amount of embellishments you include. People who don't have the tools will gladly pay for everything to be done by someone else. Even making embellishments from your own scraps would be acceptable, since scrapbooking in a thrifty and frugal way would include these sorts of things.
You also might be able to take orders for special themes and colors, for a bit higher price, of course, so people's scrapbook pages are more personalized.
Hobby shops will have clear packaging to place the themed kits in. You can print package tops to staple onto the finished kits with your own self-designed logo and other information. I suggest using card stock for these since it's a bit tougher and will hold up to shipping better. Shipping should be done in padded envelopes to protect the kits from bad handling by the Post Office or your favorite ground shipping company. Some cardboard inserted in the package or the envelope will help prevent bending, as well.
Jumat, 02 November 2007
Craft supplies
If you have an eBay seller's account or a flea market booth, you may want to sell craft supplies. This covers a wide variety of supplies from ribbons to papers to wedding flowers. Of course, to remain focused you might want to hone in on one segment of crafting. In that case, you'll want to find out what the current, popular crafts are so you can offer things that appeal to that crafting audience.
You will need to find a reliable supplier where you can get craft supplies at a low enough cost to be able to mark them up and have a little profit. Your mark up will need to cover not only the basic cost of the craft supplies, but also any shipping, fees, and overhead, plus the profit margin that is yours to keep.
You might also need to consider either bags or packaging if selling locally, or shipping supplies if selling online at auction sites. Shipping supplies costs can be covered in what you charge to ship the items to your customers.
If you are selling from your home in some way (not necessarily that customers stop by), then you may also need storage space unless you hook up with a company that offers drop-shipping.
You will need to find a reliable supplier where you can get craft supplies at a low enough cost to be able to mark them up and have a little profit. Your mark up will need to cover not only the basic cost of the craft supplies, but also any shipping, fees, and overhead, plus the profit margin that is yours to keep.
You might also need to consider either bags or packaging if selling locally, or shipping supplies if selling online at auction sites. Shipping supplies costs can be covered in what you charge to ship the items to your customers.
If you are selling from your home in some way (not necessarily that customers stop by), then you may also need storage space unless you hook up with a company that offers drop-shipping.
No free rides
Unless you are a special case, then you can expect there will be no free rides when it comes to setting up and operating your own home business. Any product that you think is worth the time to sell to friends, relatives, and others will cost you something to get started with.
Honestly, that's the way it should be. See, it's human nature, I think, to place more value on the things we purchase than on the things we get for free. Therefore, if we have to step up and provide some money to get a business started, we have a vested interest to see to it that it succeeds. Anything that's handed to us for free just doesn't have that kind of incentive behind it.
You should be careful, of course, that you aren't getting into something that costs a lot with little or no chance of success. If a business takes more money to operate in the first year, with little return, then you might as well stay at your job. At least there, you know you'll get a paycheck. You can't live off nothing.
Study whatever business you are interested in. Look it up on the internet to find reviews. You want to know the good, the bad, and the ugly about something you plan to connect your good name to. It's unlikely that you'll get a clear view from whatever website sponsors the business. After all, they are intending to also make money from it so they won't give you totally honest reviews. Find forums where people are discussing home business plans to see if they really are solid plans or just schemes.
See if they are listed in good standing with the Better Business Bureau. If there's something shady about the deal, run away as quickly as you can! A real business opportunity will be glad to share their BBB rating with you.
If the company always has a "but first", this may indicate it's not what you need to be involved with. You should be able to learn everything about the business without investing a dime first. That way, you can make an informed decision. Any company that wants money first, then gives information later is up to something no good.
Honestly, that's the way it should be. See, it's human nature, I think, to place more value on the things we purchase than on the things we get for free. Therefore, if we have to step up and provide some money to get a business started, we have a vested interest to see to it that it succeeds. Anything that's handed to us for free just doesn't have that kind of incentive behind it.
You should be careful, of course, that you aren't getting into something that costs a lot with little or no chance of success. If a business takes more money to operate in the first year, with little return, then you might as well stay at your job. At least there, you know you'll get a paycheck. You can't live off nothing.
Study whatever business you are interested in. Look it up on the internet to find reviews. You want to know the good, the bad, and the ugly about something you plan to connect your good name to. It's unlikely that you'll get a clear view from whatever website sponsors the business. After all, they are intending to also make money from it so they won't give you totally honest reviews. Find forums where people are discussing home business plans to see if they really are solid plans or just schemes.
See if they are listed in good standing with the Better Business Bureau. If there's something shady about the deal, run away as quickly as you can! A real business opportunity will be glad to share their BBB rating with you.
If the company always has a "but first", this may indicate it's not what you need to be involved with. You should be able to learn everything about the business without investing a dime first. That way, you can make an informed decision. Any company that wants money first, then gives information later is up to something no good.
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