Responsible Education Reform

Still, for the millions of students, billions of dollars, and countless hours of effort devoted, there is no shortage of criticism for our American educational system. Students are maligned for poor communication, math and decision making skills, the inability to creatively solve problems, and a host of other inadequacies. Teachers and administrators alike are criticized for failing to impart the knowledge, know-how, and wisdom students need to not only survive, but to flourish in modern society. Uniformly expectations for education are high and the demands are great, but unfortunately the results do not always measure up.

The culture and political system of the United States act increasingly to concentrate power, particularly in the hands of government. The unstated, but irresistibly attractive advantage to relying on government for any task is that we get to divorce ourselves from the bane of human existence: personal responsibility, and the work such responsibility demands.

Given to contrivance and convenience we convince ourselves education can be reduced to an equation of inputs and outputs – dollars committed to productivity achieved. Taxpayers need only contribute their apportioned tolls and they can then make performance demands. Every rational assessment of our system however, identifies a bankrupt enterprise. We search for superman and race to nowhere, but now it is time we focus on the only viable solution to our educational dilemma: personal responsibility.

In our immaturity, we loath the very notion of taking on responsibility. The reality is, however, every human life is a unique journey of self-discovery – our educational system should advance, not inhibit, the voyage. Each individual is responsible for the quality, intensity and depth of their experience. Until an individual accepts full responsibility for developing his or her talents, exploring this world and contributing to society, that individual will never be fully free or fully alive. We ignore this truth at our own peril.

We cling to the promise of “industrialized education” when instead we should transform the system to promote two ends: establish a base level of intellectual (communication, calculating, reasoning) and social skills; and help each individual uncover and develop his or her unique gifts and talents. Assuming personal responsibility must be at the forefront of any effort to revise the education equation.

While students and parents still bear the lion’s share of responsibility for outcomes, teachers can and do play a critical role in formal educational. To begin the transformation here is one idea, amongst literally hundreds, to raise the bar on responsibility for teachers: Make a part of every teacher’s compensation the future earnings of his or her students. Allocate a portion of every working individual’s taxes (a few percent) amongst his or her teachers from grades one through twelve as deferred compensation. Students and parents could refine apportionment through performance criteria established over the course of the student’s formal educational career – better teachers would warrant greater consideration.

This proposal would not require additional taxation; just a reallocation of taxes with priority given to teachers. In the long run, a teacher’s economic viability would depend on the working contributions of their students. A teacher would have a vested interest in the long-term physical and intellectual well-being of every student.

This idea is just one example of measures that could be implemented to instill a sense of personal responsibility for everyone involved in education. Education and learning, growth and socialization are intrinsically human (not industrial) endeavors. The tragedies and triumphs inherent in the American educational system are microcosms of society at large. To effectively reform our system we must make personal responsibility the focal point for sound education policy. We all have a stake in education, let’s begin responsible reform.

Copyright (c) 2011 Scott F Paradis

The Way To Have A Legit Home Based Business In Direct Selling

Many people are struggling just to make ends meet and are looking for ways to work from home. There are many legit home based business opportunities out there that you can do. You need to know that there are many different scams out there that are after your money. First you need to know where to start to be aware of the different scams out there.

One great place to start looking is in the forums where work at home people are already talking. This is one of the best places you can find legitimate work and avoid the scams. Learn from others what to look for and what red flags to see when you are considering a work at home business. Many others have already found some of these companies out and expose them on these forums.

One of the most popular ideas is by direct selling. This is where you become a sales representative for a certain company. You sell their products or services and make a commission off of what you sell. This is not for one who is looking for a steady stream of income. You must be able to work on commission and handle the changing income checks.

When choosing a direct selling company you will find tons of options out there. From selling cosmetics, health or fitness products to candle companies. The list is endless. Find one that you can get behind their products and company. This will help you to go far with their company. You may even end up one of the top sellers who win nice vacations or even a new car.

One thing to keep in mind is that you need to have an outgoing personality type. This will help you as you meet strangers and help them to try your new products. You can also build up your customer base online with advertising. You can share your new adventure with family, church friends and online communities. Also offer your services to the local schools or small businesses.

The majority of these companies will offer some type of training program for you once you get started. You need to follow through with their training to make sure you can become successful in this company. They can help you grow your business and earn greater commissions. Try meeting up with other direct sellers to get fresh ideas to help your business grow as well.

When you decide to look for other alternative income streams then look for legit home based business options. Deciding on just one may be the difficult thing. Direct selling has been around for years and seems to be sticking for years to come. Learn how to have a great income and work on your own terms. You will see there is no end to the income you can make.

Starting a Home Based Business – Turn Your Hobby Into Cash

Starting a home based business and working from home can be exciting and fun, there are many people that have started a business from their hobbies. What was once was a past time of pleasure can turn into a full time work from home business. One industry that seems to keep growing by leaps and bounds across America is antiques and collectibles.There are many across America that start each year, for the simple reason, they were introduced by their Mom or Dad or a close relative, this hobby has an infectious way about it. Once you have a true desire to collect the treasure of the past, the desire will always be with you throughout your life, once you have been bitten by the bug there is no turning back and there is no known cure.There are many people that enter this business on a daily bases, not having been associated with anyone that can show them the ropes of how to go about it or to know the value of the collectibles and antiques. Many people start out collecting just one item, such as collecting dolls or collecting western gear and cowboy spurs or western prints etc.Many will start collecting as a team, that is husband and wife. The husband will collect the items that is of interest to him and the wife will collect what is of interest to her.• Where To Buy….If you’re a newbie to collecting, you might want to know where to start first in buying your collectibles. But, before you rush of on your buying spree, you need to learn a few things first, so you don’t get taken in on your purchases, not knowing to value of the items you buy can cost you a great deal of money in the end.• Buy Low, Sell High….You always want to buy with this in mind, buy at the lowest price you can negotiate, with a view of reselling at a profit, if you have the hope of starting your own home based business. To gain the knowledge of the value of antiques and collectibles come in various ways. Buy, collect and study the antique and collectibles appraisal books, always have the books with you for reference purposes when shopping for your treasures.• Starting With Garage Sales….Garage sales are a great way to start to learn about your collectibles you want to acquire. In order to get the best buys, it is advisable for you to line up your sales a day before they start, if they start on Saturday, make your list of ones that are advertising antiques and collectibles on Friday.• You’re Not The Only Dog in the Hunt….Be mindful that you’re not the only one looking for the great buys, there is a lot a competition searching out the garage sales. To get a leg up on the competition try to be at the garage sale an hour before they open, sometimes this works and sometimes it don’t. You will meet all kinds of people, some will let your browse around and others will flat out run you off if you are an early bird.• Trash or Treasure….
When mapping out your garage sales, always take the shortest distance between the sales. When arriving at the garage sale, if they have unpacked everything then you can make a quick scan of the merchandise and see if there is something of value in the collectibles category. Be aware, there are people that think they have treasures, but in fact they have trash and need to make a run to the dump.• Expanding Your Market….When shopping for the items you want to collect, you will invariably run across other valuable collector items, don’t pass them up, you need to expand your market, remember there is a buyer for each and every collectors item, the more versatile your inventory is, the greater your market will be. Your home based business can become a reality with patience and hard work.

Business Building Tips – 5 Ways To Start Your Home Based Business Off Right This Year

If you’re anything like me chances are good that you look forward to a new year just as much as I do. This is especially true when it comes to making sure your start your home based business off on the right foot.With each new year a renewed interest lights a spark in my entrepreneurial spirit motivating me to make it my best work at home business year ever.In this article I’m going to provide 5 tips to making sure you start your business off the right way for the new year. Stick with me and let’s make this the best year for your home based business.Successful Business Builder Tip Number 1 – Learn From Past Failures And Then Let Them GoLet’s be real for a quick second. There is nothing more devastating to the future success of your business then dwelling on mistakes you have made in the past. Even if the last 12 months represent the worst times for your business don’t despair, things can and will get better. Instead focus your efforts on identifying what mistakes you made and what you can learn from them and what you can do to prevent them from happening again.Successful Business Builder Tip Number 2 – Set Realistic and Achievable GoalsIf you start the new year off with a goal to have 5000 new downline members under you or to make a million dollars within 6 months you might not see the success you deserve. I say might because the reality is, anything can happen.However, I have found that setting realistic goals such as adding a new consultant to your team every week or every two weeks to be a much more realistic goal and easily achievable. This prevents you from setting your objectives up to high thus avoiding the feeling of failure if you don’t achieve or realize those outlandish goals.Successful Business Builder Tip Number 3 – Outline Your Blueprint For SuccessIn tip number 2 I talked about setting goals. This tip enhances and improves upon that objective and it involves developing and creating a bona fide blueprint for business success.You’ll want to identify how many hours a week you can spend working on your business, how you are going to generate leads for your downline, how you are going to generate new customers, how you intend to train your new consultants and when you plan to incorporate rest cycles into your busy business day. You will need to focus on items like this and more if you plan to make this year your best ever as a business owner.Successful Business Builder Tip Number 4 – Don’t Make Excuses For Not SucceedingHere is one main difference that I have noticed between the successful consultants in my downline and the consultants that struggle. The fact is, my most successful downline members don’t make excuses for not getting something done.Instead they follow the success blueprint they designed to grow their home based business. Additionally, when they stumble (trust me, we all stumble every now and then) they quickly regroup and refocus their energy and determination to succeed back into their job.Successful Business Builder Tip Number 5 – Celebrate The Victories No Matter How Small They May BeThis is one of my favorite motivational tools and it focuses on celebrating every victory no matter how small it may seem. This could range anywhere from generating your first sale, receiving your first $1000 check from your company or signing up your first downline member. It’s OK to get excited and celebrate these milestones as you continue your journey to creating a life changing business.

Why So Many Internet Home Based Business Marketers Quit!

Check Google AdWords tool for “home business” it will return 3,350,000 visitors per month. Other popular search words also give similar figures. Just imagine if only.01% of total searchers joins internet home based business arena how huge the number turns out. There are other search words too! So can we say that a huge number of people entering Internet home based business arena through out the world every month? Yes, there is no doubt about it.But is there any tool to say us how many of them quite after joining home based business? I don’t think so. Sale of expired domains may give a partial picture. Actually most quit long before their domain becomes saleable.I was checking with my neighborhood where I grew up. I found not a single person who makes a living out of Internet marketing. Whenever I raised the issue with someone, they say, come on man, you know I know everybody knows those all are scam. I checked how they knew that all are scam! I discovered many of them were in it for some time but quit soon enough. I tried to figure out what might be the reasons for their quitting.Obviously there might be many different reasons for quitting an Internet Home based business. It might vary person to person. Even then we can gather some common causes behind the quitting.The first to go are those, lured by lucrative sales mail or newsletter or banner ads while browsing. Seeing the quick buck offer they failed to resist the temptation and invest without thinking. They quit soon enough after realizing the “quick buck” does not comes as quickly and easily as expected.Lack of self judgment is another factor quitting. Internet home based business is not for all kind of personality. There are some cannot stand without socialization, whether at work or at leisure, are not fit for it. Internet home based business demands hour after hour behind computer. They quit easily not coping with the habit. There are others who cannot work on their own. They need someone dictate them, tell them what to do. They also quit soon enough not able to plan what to do and how to progress. Nature of Internet home business is slow progress. Those who are restless cannot coup with the slowness of the progress quit frustrated. In fact reasons of quitting over personality issues are endless.Every business needs investment. It could be money; it could be time or it could be both. If the budget of time or money is not properly planned, the result is not becomes an internet marketing success but quitting. The quitting could be over lack of budget after initial investment. It could be for over spending initially and not seeing return soon after or it could be over not managing enough time to succeed.Certain skill is needed to be successful in internet home business. Not that if do not have those skills initially you will not be able to do internet marketing. These skills could be developed gradually. But not many have the time, patients or determination to develop these skills. Result is quitting.Success in Internet home business demands discipline, being organized and consistence. It is all about making an action plan of progress and taking actions repeatedly day after day. It is all about progressing gradually and consistently. Obvious result is quitting if fail to understand or follow this process.Lastly, whatever the reason is, if one is not strongly motivated to internet home based business, he is bound to quit. This factor stands between success and failure to an internet home business. A person not strongly motivated to home based business cannot push ahead all the hurdles stand between him and success.Certain skill is needed to be successful in internet home business. Not that if do not have those skills initially you will not be able to do internet marketing. These skills could be developed gradually. But not many have the time, patients or determination to develop these skills. Result is quitting.Success in Internet home business demands discipline, being organized and consistence. It is all about making an action plan of progress and taking actions repeatedly day after day. It is all about progressing gradually and consistently. Obvious result is quitting if fail to understand or follow this process.Lastly, whatever the reason is, if one is not strongly motivated to internet home based business, he is bound to quit. This factor stands between success and failure to an internet home business. A person not strongly motivated to home based business cannot push ahead all the hurdles stand between him and success.

Top 5 Reasons To Start A Home Based Business

Starting a home based business would have never been much of a thought 10 to 20 years ago. It was the norm to just accept the fact that going to school to get your high school diploma so you could get a good job. Then it became necessary to go to college for at least four years to get a degree in your choice of major. This would allow you to do what you “love” and be able to make a good income. You would be able to set aside some of that income for your retirement. At the same time be able to support your family with a steady income from your job. Those days are gone. The economy today has even gotten many advisers to encourage individuals to not rely on their jobs for that so called financial security. In fact, you will see that more and more it is the norm to hear that your best move is to get started in a home based business if you really want to get control of your financial security.The following are the top 5 reasons to start a home based business:Job SecurityWhat is job security? Today there is no such thing. Job incomes today do not equal the cost of living. There are more families in low income status because of the rise in cost of living. Eventually there will only be two classes: low and high income. Lay off’s are more prevalent today than ever before. More companies are going to outsourcing their work rather then keep employees on the payroll. Having a home based business will not only help in alleviating some of these stresses, but it can also aid in funding your retirement and most likely replace your jobs income.Pension PlanIt used to be that companies were graded by the type of pension or retirement plan they had to offer. Again, this is something of the past. Companies are everyday cutting back on pension plans, if not eliminating them. These plans are no longer being offered with many companies. How good does that make you feel? Social Security just is not even something that this generation and future generations can rely on. This is another reason it is a smart move to start a home business.Tax BenefitsMany don’t realize it but having a home business can actually aid you with different tax benefits. I am no expert in taxes so you may want to consult your tax preparer to see how you can benefit. But a point you need to consider is that running a business from your home may open many ways where you can cut back your taxes. You may be able to deduct portions of your monthly expenses that you would normally have without a home business.Save MoneyIn starting a home based business full-time, you will be able to save money on costs that you would normally incur on having a job. These things would involve commuting, childcare, and even grocery costs. Many have been able live on a less income or have a better family life due to being home.Better Well-BeingHow many times have you come home from work stressed out because you’re not sure if this weeks paycheck is going to cover your bills? How many nights of good sleep do you lose because of your concern of being able to provide for your family? Or how many times have you had no energy to spend with your family because you just put in 60 hours of work this past week? Your health unbeknownst to many, takes a huge impact when you are overwhelmed with concerns as stated. Depression, heart disease, and many more other health ailments can rear their ugly heads up because your job and current income is at the forefront of your stress. Starting a home based business would allow you to add a side income part-time. This would maybe take away some of the fear of being laid off. This could eventually develop into a full-time home based business where you would have total control of your hours and your income. You would be able to set aside time for the things that are more important to you: your family.If you are tired of the heartache of not having enough time for your family because of your job or because you want a better life, then I encourage you to connect with me. You too can succeed in a home based business like thousands are doing today. Are you prepared to dedicate another 20 plus years to just making a measly income and not being sure if you will be able to have a retirement? If your answer is no, then connect with me and take control of your life today.

A Problem With Your Home Based Business Systems: Application of Time Management

By now, everyone has been talking about or has talked about the importance of time management for any small business. It’s one of the integral components of successful home based business systems. But what most home based business systems lack is how to efficiently implement time management when applied to result-producing activities. You know that it’s important to organize your time, organize your activities, and try to minimize the time spent on activities to increase output. However, what I find lacking is that most people are not talking about how to apply those techniques in reference to home based business systems where you have several categories of tasks that need to be accomplished every day. Those categories are prospecting, business execution, and support.In order to create a time management action plan, you must first decide how much time you set out to devote to your home based business systems.Prospecting:When we consider prospecting in home based business systems, we need to understand that prospecting needs to be worked in two pools: customer base and distribution. Now, most people start freaking out when it comes to bringing people in to their businesses, or are up in arms on how to do it right. But isn’t that one of the basic precepts of any business? Think about it: what is the best way for you to increase your reach?Consider the basic retail business in this regard. Companies like Walmart, Target, Macy’s, or franchises like McDonald’s or Burger King all have exponentially increased their revenues by expanding their number of distribution points. The more stores in strategic geographic areas, the more customer base. When it comes to your home based business systems, the same principle applies. If you identify people that want to achieve their dreams through owning their own business, you can expand your customer base and increase sales revenues through increased distribution.Anyhow, back to the main focus. 1/2 of your day should be focused on prospecting customers and potential business owners. Business doesn’t grow if you just focus on administration and maintenance. This is especially true of home based business systems because of the fact that you don’t have the large financial budget compared to retail outlets and corporate companies, so you need to create clout and business organically. These methods can be done online and offline, in-person or utilizing social media. However, you must set out specific times in which you go and promote your business to get exposure.Some examples of how I prospect are that I join local community groups through Meetup and Chamber of Commerce. I keep a schedule of events that are posted and make time to get out and network. You can even prospect through your daily errands. If you are a stay-at-home mom, there are tons of ways to prospect. Whether it’s at the park, grocery store, picking up your kids, PTA meetings, every day that you are out in the world is another opportunity to prospect customers and potential business partners. Study up on how to start and maintain conversations and figure out approaches that will land you names to add to your list. I will write an article on this at a later time.Executing Business:A 1/4 of your remaining time should be devoted to administration and business maintenance tasks. Home based business systems all have administrative tasks that need to be completed on a timely basis. Failure to do so can result in penalties and setbacks in your business. It’s no different than the same penalties that traditional businesses suffer when failing to comply with certain regulations. For example, if a restaurant fails to renew their alcohol license or they fail a health inspection, fines are implemented. In your business, tasks can include filling out forms to maintain sales reports for safe taxable reporting, organizing your names list, and answering emails, tweets, comments, and posting new content on your funnels. The list goes on and on, so it’s key to write all your tasks down per week and organize them in to daily lists to organize your time to complete them.Supporting Your Business:This is something that I think most home based business systems lack in terms of having their business owners spend time thanking and maintaining customer loyalty. I’ve found that offering to provide your current customers with incentives to refer other customers to you is one of the primary and most effective marketing methods there is. Identify your top 5 customers and personally thank them by sending a note. Also useful is to provide a special promo incentive for them, like a tiered discount structure for the number of customers they refer to you. Just be sure that you don’t harass your customers by sending too much communication. Be smart with your business. Give them incentives to provide reviews and testimonials for the products they love that they purchase from you, so you solidify your sales materials for other potential customers.Not only do you want to support your customers, but support your team as well. Take time out to call your teammates and make sure you are providing them the support they need. Stabilize your organization and you stabilize your own income as well. Utilize contests to promote friendly competition with your team to boost sales, and set goals with your team and follow-up with them to keep them accountable.Don’t forget to keep track of your business volume and make sure that you are being rewarded for the result-producing activities you and your team are conducting.

Hiring a Commercial Property Manager or Management Company

Finding and hiring dependable management to oversee routine jobs associated with residential real estate investment property requires that you as the owner make a thorough assessment of duties, responsibilities and necessary services you will need.

Management is the point of contact with the tenants that represent your revenue. As a business investor you will want to protect your investment and be represented to your tenants as a caring owner that cares about your property.

It is especially important that a competent well qualified individual or professional management company reflect your standards as the owner as well as protects your property and your reputation. You can choose to hire larger national companies that specialize in managing commercial property, or a local property manager to live on the premises.

When hiring a company make an assessment of their capacity to oversee legal obligations to confirm if the investment is in adherence to the applicable laws of the state or country in which it is located. A manager or company must act as a mediator between renters and owners to communicate and carry out complaints, repairs and maintenance.

Professional property managers should be able to take on the important responsibilities of collecting rent, security deposits and have the ability to manage income and expenditures so that your realty business remains profitable. Not keeping accurate records can result in costly evictions and damage to your property by a disgruntled tenant.

Some investors allow the current tenants to continue to occupy the property and are notified of a change in through point of contact notices to advise them of a change in management; others may purchase an empty building and hire a manager or management company to screen potential tenants.

A property evaluation will be necessary to collect information about the current or future tenants and the operational services. An evaluation will give you a complete picture of the location, the surrounding area as well the amenities that will make your property a lucrative return on your investment

A commercial property investor with many properties to manage will want to hire a manager for one property location to supervise the day to day activities. The investor with many properties, a residential property management company with experience may be a better choice.

Residential managers can perform a variety of duties in person on behalf of the owner such as maintenance and preparing empty units for occupancy. Ongoing repairs and upkeep for units, laundry facilities, trash disposal, secure access and monitoring receive an immediate response when the manager lives on the premises.

Residential property management companies do not provide all of the same services that an on-site manager may perform. Routine tasks not performed are paying property taxes, rental property insurance, property registrations with local municipalities or government entities.

Landscaping and safety issues can be addressed by either residential managers or property management companies. Contact with outside contractors for structural repairs of damages with the owner’s authorization. Advertisements for the vacant units, screening of potential tenants, keying or changing the locks, carpet cleaning and painting are responsibilities you as the owner can leave up to the residential property manager can perform on your behalf.

Property managers can prepare monthly reports to their clients. These detailed statements should include paid expenses, deposited funds, and other money transaction.

8 Top Tips When Buying an Investment Property

In most countries, purchasing an investment property continues to be one of the most popular ways to invest. The goal of this investment should be to provide you financial freedom and enhance wealth. The problem is many believe that once they get into the venture, it will be a guaranteed, easy success.

It is vital you learn how to effectively manage your investment as this will determine whether or not the investment can help you achieve your financial goals. Below are a few tips when buying an investment property:

1. Choosing the ideal property at the right price

Purchasing an investment property at the right price is highly critical. It is all about the capital growth when it comes to investing in a property so make sure to choose a property that has a high potential of increasing in value.

Always do research. Find out as much as you can about what is selling in a certain area. The more you learn, the more you become skilled in determining the property that is worth investing on. In other words, you will know a bargain when you see it.

If you want to acquire valuable data on various locations and properties, get information from lenders and insurers as they have data that can help you avoid selecting the wrong investment property.

2. Do Your Computations

You should consider property investment as a means of long term type of investment. As this is the case, you need to ensure that you have the budget to maintain your mortgage repayments over the long-term. It is not right to sell your investment property when you are not good and ready since if you are to encounter any financial problems then you might be forced to dispose of the property at the wrong time.

It is less expensive to keep an investment property and service the loan once you already own the property. This is because you can get rental payments as well as tax deductions on several of the expenses connected with property ownership. Things will become easier along the way especially that as rent tend to increase over time so will your income.

Learn the taxes involved in property investment and include this in your budget. Seek advice from your accountant and learn about stamp duty, capital gains tax and land tax. While interest rates can change over time, as the owner, you can always increase the rental fee to cope with the expenses.

3. Get a Reliable Property Manager

Usually, a property manager is a licensed real estate agent whose job is to make sure that things are in order for you and your renter. Your agent can provide you advice, assist you in managing your tenants and help you get the best value for your property.

Your agent should be able to teach you about property law as well as the rights and responsibilities of both you and your tenants. The agent can also handle maintenance problems. Except for other emergency repairs, the maintenance costs should get your approval first in advance. Your agent can also assist in finding the right tenants, do background checks as well as make sure tenants pay rent on time.

4. Understand the market and the dynamics where you are buying.

Search for other properties available in your current area and talk with as many real estate agents and locals as you can. Only get advice from professionals you can trust and make sure to do the leg work. You can use the information in this site to view demographics, average rents, property values, and suburb reports.

It will be to your advantage to know about the changes that are planned or are happening in your suburb. For example, knowing about the planned by-pass may quickly enhance the value of your property as this means traffic in the area may reduce.

5. Pick the right type of mortgage to suit you.

There are a lot of financing options for an investment property. Seek advice in this area to find the option that will be in favour to your financial status.

While the interest on an investment property loan is usually deductible, some borrowing costs are not easily deductible. Appropriately structuring your loan is vital and it is best that you seek help from a trustworthy financial advisor about this.

When choosing between a fixed rate loan and a variable rate loan, go with the loan that is in favour with your circumstance. Carefully consider both options before you decide. For example, as a variable rate loan can become cheaper overtime, choosing a fixed rate loan at the appropriate time can really be beneficial.

Rather than principal and interest, a majority of the investment loans should be created as ‘interest only’ as it can enhance the effectiveness of the tax of your investment especially for a home loan. An ‘interest only’ loan is better compared to principal and interest loan when it comes to investment property since it causes your negative gearing benefit to decrease as you pay down your loan.

6. Examine the age and condition of the property and facilities.

The condition of your property and facilities can highly affect the profit of your investment. It is vital, that before making a purchase, you hire a professional property inspector to perform comprehensive inspection of the property in order to detect potential issues earlier.

7. Make the property attractive to tenants

Choose neutral tones and make sure that your property’s kitchen and bathroom is in good condition. An attractive property can attract better quality tenants. When it comes to purchasing a property, do not only consider what you think is attractive to you. What is attractive to you may not be attractive to some. Remember, that the investment property will be the home of your tenant and not your own.

8. Take a long-term view and manage your risks

Think of property investment as a long term investment and understand that property prices do not rise right away. The longer you can commit to a property, the better. When you build up equity then you can decide to purchase your second investment property. Avoid being greedy and balance your goal of financial stability and in enjoying your current life.

How To Succeed At Online Product Creation The Easy Way

Product creation could be a frightening subject for a lot of Internet marketers to face. Some folks who get in the game with the intention of making a full time income are completely ignorant as to how an online business operates. One of the most profitable ways to create online cash is by creating a product that others are happy to pay for.

Product creation is legitimate method of generating money through internet marketing but many entrepreneurs get it wrong. They start by imitating their Internet marketing gurus by creating information products on Internet marketing in hopes of getting rich the way their heroes did. The problem is that they usually don’t know what they are doing and enter a highly competitive niche with very little marketing experience or connections.

Here are a few tips for effective product creation that may help you get on the right track:
Start by finding a profitable niche with low to moderate competition. If you conduct some rudimentary market research and keyword research, you’ll find many opportunities in areas that will surprise you. Amazon and eBay are two great places to brainstorm for product ideas.

Developing Your Product does not have to be a difficult project. You can find experts in the right field for your niche and pay them to write the material while an artist designs the packaging and website or blog. You can outsource the entire product creation part of the project after you conduct the research and testing to ensure profitability.

Sales and marketing strategies should be created while developing the product and learning about the market. Some experienced marketers use pay per click to drive traffic to their offer page; some folks outsource the entire marketing campaign to affiliates through ClickBank or other affiliate programs.

Product creation does not need to be hard, particularly when the merchandise is electronic. E-books, videos, audio and multi-media products sell very well. They are distributed immediately to customers electronically. Once you have a good feel for a niche market, try to service your customers with associated products and upgrades. If you want to earn money online through product creation, you must understand supply and demand. The majority of new online marketers fail miserably because they go after highly competitive markets or forget to research their chosen niche properly. You have to create your products according to the needs, wants and desires of the prospective customers.