Comparing Homeschooling to Public Education

The primary similarity regarding the homeschooling concept is that this is a legal way of educating children in all 50 states. However, that is where any similarities end as the laws and regulations of this educational concept will vary from one state to another. In addition to this, the interpretation of these laws and regulations differ from one school district to the next. Another element is that these different laws and regulations oftentimes change every year so it is always wise to find out about this before educating your child this way.

As a suggestion, you should consider contacting the National Home Education Network to find out about homeschooling your child in your state of residency. This is one of the best resources to rely on where finding information regarding the laws and regulations of your state’s homeschooling activities. It lists each one of the 50 state’s laws that you can read about. However, it is best to contact an experienced attorney to accurately interpret them before making assumptions on your own.

The support groups of the National Home Education Network are also an excellent source of valuable information. You can search online for state Department of Education resources as well. They can help you with interpreting the laws and regulations of your state as well as the requirements involved for homeschooling your children. The main benefit of finding out as much information as you can is that this will help you avoid any negative surprises along the way. This is also beneficial if you relocated during the time that you are homeschooling.

Public school disadvantages

As parents, most of us are extremely trusting of the public education system in our home states, maybe a bit too trusting. We make the assumption that our children will receive a good education when we enroll them in public schools and are satisfied with this. However, you have to question whether or not you are actually getting a good value for the money you invest in this type of education. Additionally, you have to question whether or not your child is benefiting from public education.

Supposedly, one of public education’s greatest benefits is socialization. In other words, it is hailed as the method wherein a child attains the rudimentary skills necessary to their survival. Unfortunately, this is a misconception of sorts in that the child is only able to interact with their peers, and that interaction oftentimes leads to negative consequences. There is no benefit if they bully younger children or fear older ones. Nor is there a benefit that they may not know how to behave around other adults.

In closing, just remember when it comes to public education, that environment only allows peer interaction at specific times during the school day. Conversely, a homeschooling type of environment enables them to learn in a social environment that is more natural to them. So ask yourself what is best for your child – homeschooling or public education?

Always Take a Good Look Before Choosing the Best Home Based Business

Most of the people don’t succeed after setting up a home based business since there are a few frequent issues inherent in many of the home based business possibilities. You need to prevent the following fatal imperfections when scouting for a home based business. In case you are considering a business prospect that requires you to subscribe friends or family as clients, don’t go walking but run to the closest exit. This can be a method to push away both your loved ones as well as your friends.

By no means sign up for a business that needs you to show up at hotel group meetings. Just about the most frequent advantages for starting a home business is economic independence and many achieve this while still doing another daily job. In case your fresh opportunity needs you to go to hotel conferences after work every day then you’ll eventually exhaust yourself. Your primary goal is much more time for you to live your life, not less.

Whatever you decide and do… do not sign up for a business that entails you to buy large volumes of their merchandise. In the event the business requires a minimal acquisition of their merchandise monthly that’s great. However, if you are considering including on your garage to store all of that merchandise, this may not be the business to suit your needs.

Among the most significant aspects of the business will be the pay plan. Never ever be satisfied with a pay plan which is lower than sufficient. If you must work till you are very old, this isn’t the way to suit your needs. Remember that, you will find business opportunities available having excellent payment plans. You should be compensated and also you should be compensated properly.

If you’re a professional and also have analyzed the company’s plan for several weeks but still can’t fully understand the program, it’s likely that this is way too challenging. In the end, you’re going to need to manage to describe the business plan to potential clients and sales agents. It was often realized that the most basic methods function the most effective.

Stay away from those opportunities in whose marketing specifications are idealistic. Many home business opportunities on the internet these days ask you to recruit a lot of other individuals exactly like you who both need or intend to make lots of money. Frequently, you have to recruit an inaccessible number of individuals so that you can have great results. This requires excessive levels of both time and selling ability. You don’t be required to hold either when using the correct business structure.

The perfect solution is would be to go with a home based business that doesn’t have some of the trouble specifications listed above. The most effective businesses are easy, straightforward, affordable, and never excessively problematic with their marketing specifications. Using the effectiveness of the internet to complete your own marketing will certainly fix lots of your difficulties right away and lead to higher earnings. Talking about higher earnings, the very best of the most effective home based businesses should have a profitable pay plan. When you mix an excellent pay plan with verified internet marketing strategies, then you will be rich!

How to Make Money From Home With an Affiliate Marketing Home Based Business

Have you ever dreamed of being financially independent? Free of the 9 to 5 job and the boss who is only looking for the bottom line?If you answered yes, you are not alone. Many of us dream to be free to be on our own and set our own hours. We would like to be free of the demands our jobs place on us and of the feeling of being ineffective at making the money we deserve.You, probably, long to be able to take vacations whenever you wish and to work the hours you would like so that you can spend more time with your family and on yourself for your hobbies. Like many of us you see this as something that is out of your reach and is only a pipe dream.Why is that so? It is likely that you like many people, fear losing the stability and security of your job, even though you know that this is not true at any time. You also feel you do not have the money or the time to really give to start a business of your own. Additionally, there are the opinions of your family and friends that you will only fail if you begin your own business and you, like many others, do not want to fail, especially if you invested your time and money.You would like to have the following question answered:How can you make money from home?The answer to this question is to start an affiliate marketing home based business. You will be surprised to know how easy it is to start your own affiliate marketing business without any money and without spending too much of your time doing it.Why should you consider affiliate marketing for your home based business?Consider the following advantages of affiliate marketing:

Requires little or no cash to start
Require little space to do your work. If you have desk, with some clear space, then you are able to do affiliate marketing.
It provides you with the opportunity to promote a product or a service.
Once you have succeeded with a campaign with a good product or service, you can repeat the process with another product or service.
What does it take to start an affiliate marketing home based business?You will need the following to start an affiliate marketing home based business:

A computer of your own or access to a computer.
A reliable connection to the Internet for the computer you use.
A little space for you and the computer.
A phone line, which you probably already have. If you do not have a phone line you would like to use for the business, you can go to Google Voice and sign up for an invitation to Google Voice where you can have a dedicated phone line that you can have redirected to any phone by setting it to do so with your Google Voice account.
Time to do the work necessary for the business, which is not a lot once you get going.
The final thing you need is the patience to learn how to market. There a lot of resources on the Internet which can help you out as well as some books you can get at Amazon or Barnes and Noble.
When you decide to begin your affiliate marketing business, you can do the following methods in your campaign:

Design a mini website which promotes the single product with a sales page.
Design a Squeeze page. The Squeeze page is a much targeted sales letter designed to get an action, which is usually for building a list to which you can market more affiliate products or services in the future.
Design a Presell page. The Presell page is a like the mini website except that it appeals to people directly with a story that is more personal than what is used for a sales letter.
Each of these can be marketed in the following ways:

Listing the site with Yahoo! Publisher Network or Google AdSense network with Pay Per Click ads to get traffic.
Sending email marketing to your email list you
Writing articles for article directories related to the content on the website
Writing articles which are related to the content on the website
Writing posts to forums with links to your website.
The number of ways you can do your affiliate marketing campaigns are endless and limited only by your imagination.You do not need much money or very much time to start your affiliate marketing home based business to make money from home. This business can be done while you are still working and can generate extra income at first. The one thing that an affiliate marketing home based business can do for you is to get you believing that you can have your dream of being financially independent and all of the advantages that accompany it.Isn’t that what you want? Your dreams coming true. Start marketing now and get clicking.

An Easy Home Based Business Opportunity – Unemployed Boomers Are Out of Work Longer Than Other Ages

Because it takes longer for unemployed baby boomers to find work, the percentage of boomers starting their own business is 16% higher than in previous years. In fact, many are seeking an easy home based business opportunity.For those losing a job who are over the age of 55, it takes longer to find a job than any other age group. For those in the age bracket 45-54, they find themselves in the worst situation overall.For those who have lost a job, they are experiencing major salary reductions in new positions. Because many of these baby boomers were more aggressive in their investments, their retirement savings have taken a considerable hit.Employment professionals have advised this group to take a job, no matter how large the salary reduction. The financial crisis has reduced the employer stigma that it is bad to be making less than before or less than what they hope to make. They are advised to take any job no matter what it pays.But this doesn’t help those in this age group who are seeing both their salaries and retirement savings greatly reduced. In addition, many of their children (who can’t find a job) are moving back in with them. This is also the time when their parents may be looking for financial support from them.It is taking baby boomers over the age of 55 more than 36 weeks on the average to find a job. For those looking for higher salaries, it is taking much longer.For those in the 45-54 age bracket, it’s taking over 30 weeks on average. Not only have retirement savings been reduced by the stock market crash, some of their savings must be used to cover monthly expenses.The long wait to find a new job is a major reason why many members of the baby boomer generation are joining a home based business opportunity that is easy.They can continue to look for a job and can run a home business on a part time basis as long as it is an easy business. Finding a lucrative, but easy business is the key since a job search is very time consuming.If you find the right business (one that is lucrative and easy), it can start providing you income fairly early. If a new job does not meet the preferred salary requirements, the home business can fill in the gap until a higher paying job is found.Many members of the baby boomer generation are finding that the income potential of a lucrative home business eliminates the need of continuing to search for a new job.Even if you find the perfect new job, the lucrative, easy home based business opportunity has served its purpose. It has provided the needed income during the difficult times.As long as the home business is easy, you may decide to continue working the business in addition to the new job. This helps rebuild the retirement savings lost during this process.You must find a lucrative home based business opportunity that is also easy.If you try using traditional MLM marketing methods in your business, you will probably fail.If you try setting up your own internet marketing system to market your business, you will not have enough time to search for a job. Setting up your own internet marketing system is very involved and time-consuming. It could take you months.Either way, you are putting all your eggs in one basket – search for a job or build an internet marketing system.Here is the best way. Join an easy home based business opportunity. But make sure it is lucrative.By doing that, you will not need to market your business using old, antiquated methods that don’t work for most people. In addition, you will not need to go to the time and expense of setting up your own internet marketing system.Instead, find a business that uses a team marketing approach. By using this approach, you will have time to run your home business and also search for a job.

Some Basic Principles of the Home Based Business Idea For You

Finding nothing to do at the leisure time, many people are bending towards home based business ideas of their choice.The people, who don’t like to work in any official atmosphere under a person, are going for the home based business ideas. Some may think that it is easy to work for the home based business ideas at first. However, the scenario will change automatically after confronting challenges in the fields of the business. Sometimes, the romanticism of our life absorbed us so much that we gradually forget about the practicalities of the situation. However, you should make sure about the processes you know for making money easily and the processes of how the home based business ideas will work fast and effectively. You should also know the processes to keep the idea living and making it work in the harshest situation. Over all, you have to understand that working at home may sometimes be challenging and you should stick to the situations at any cost.Always remember that the home is the place where you take rest. This will be challenging enough for the person who are married and have children also. There are various issues occurring in your family and sometimes you may think to get involved in those needs. However, this is the Himalayan blunder you are going to make. If you have chosen the way of working at your home, you should treat is as serious as the official job. You may sometimes feel the urge of watching TV, listening music and surfing internet, but remember that the assignment you have taken should be finished in time. This will lessen the pressure from your mind and you can concentrate fully in other activities.There are some people who think to work alone in their house in a peaceful atmosphere. In the long run, they will get bored and not be able to work or think properly. The curse of isolation will eat them up gradually. That’s why; they need to test whether they are compatible enough for working alone. There are people who are not comfortable enough to work in the groups and try to find loneliness in the crowd. If these people choose to work in the homely atmosphere, they should keep in mind that they have to work in harshest situation in the home. The home based business idea is something that needs to come from within. If you are getting forced to do the job, you are surely losing interest in the long run.One thing you can do is to set up a virtual office solution for yourself. It will give you 70% of the advantages of having a real office, a polished exterior and the business address. You can try out doing many types of jobs on the internet. You can try out to promote your website on the internet and work on the scopes and opportunities in that job. So, make sure about the job you are doing should fit your interest and also your capability in doing the work.

Home Based Business Within The Personal Development Industry

Personal development is most likely an unfamiliar concept to many home based business owners, at least in the context of having a measurable impact on the success of their business. Most people have heard about the power of positive thinking but may not have done much more than some recreational reading on the subject.Now with the expansion of personal development training being provided from a home based business owner, the personal development industry is making giant strides. The current economic environment seems to motivate many home based business owners to more toward so called out-of-the-box approaches to building their business. And as the saying goes, “timing is everything.” And it is no surprise in this day of the increasingly popular reality TV shows and gossipy magazine shows that the public is looking for more positive options for their stress filled lifestyles.It just makes sense that a home business owner would be drawn to the slowly spreading phenomenon that is creating a buzz in this industry. The growth of home based business models based on law of attraction strategies is a widely spreading event in many areas of the country. Traditional businesses as well as home based businesses are adopting business models built around the personal development industry.For many entrepreneurs it usually begins with reading a book on the subject of self help while others were drawn to the business after seeing the big screen hit movie, “The Secret.” Thousands of new millionaires are reportedly the result of the explosion in the home based business niche related to personal development and law of attraction strategies. The evolution of the industry has helped small home based business owners to think past old mental tapes that don’t paint a true picture about positive thinking. Once even a small breakthrough occurs, personal development gains an entirely new perspective.After all, prior to adopting personal development industry strategies, if your business is slowing down instead of gaining new ground in the marketplace, the owner would usually revert to unproductive but traditional methods in an attempt to build new life into flagging sales. Now, with these self help strategies blended with law of attraction techniques home based businesses are experiencing a new way of jump-starting the momentum of success.Most entrepreneurs are beginning to hear more about law of attraction in tandem with personal development strategies and are applying them to their business building approaches. Of primary importance is that personal development is a necessary part of a home based business owner’s tool kit for success. Most often a business owner will attend workshops and seminars in order to keep up with new advances in his or her field. More and more of these training events are providing books and videos as a supplement to the training that participants can use to continue the learning process.All in all it is part of the home based business owner’s commitment to success to be able to take advantage of leading edge self help strategies. The law of attraction and other self development techniques are part of the package. The application of specific law of attraction strategies is being documented as producing a positive and measurable impact on the growth of businesses of all sizes.One important point that has been observed, especially in regard to the performance of businesses that do not have owners who are committed to personal development, is a higher failure rate.Many large corporations are implementing self development programs in their production based departments and recording remarkable results. The impact is being observed in performance as well as improvement in employee morale.Success for the home based business owner is not the easiest of tasks which makes a solid personal development program a valuable business support tool. Many individuals who have worked with a proven personal development plan find that when their progress with their personal program begins to strengthen their faith in their own abilities, their personal life, and their home based business become more successful.News is spreading about small business successes and the public is learning these small businesses are the foundation of employment growth that is beginning to move forward.

Motivated People And Their Success Within A Part Time, Home Based Business

A growing number of people are becoming involved in business opportunities where they are working part time from home. Some of them do so because they are good marketers and others because they want to make lots of cold hard cash. A personal business at home will allow a person to work on their own and in most cases; you can run the business without needing to hire others on a regular basis. A person who owns a home based business is motivated in an entirely different manner as compared to a person who runs a corporate firm.Here is a look at some of the things that motivate people to start a legit home business:• Money
• Performing simple tasks over a short period of time
• Good lifestyle and ability to travel
• Autonomy
• ProfitsBenefits and the Advantages of Owning and Operating Your Own Business:Pulling the trigger to start your own marketing business makes perfect sense regardless of whether the economy is thriving or stuttering. Before starting the best part time business, take a look at the following benefits and the advantages of striking out on your own business venture:• Be your own boss
• More elasticity of options
• Invest small sums and reap big returns
• Do what you love to do
• Be more successful
• Be more productive
• Tax benefits
• Take pride in what you are doing
• Live a relatively stress-free lifeIf you are not satisfied with your present job and if the pay is not good and you are also fed up of all the pressure of working for someone else, then a home based business is the perfect solution for all your problems. These ventures are currently much in favor with most people because they allow you to stay at home and make money without too much stress or bother.One of the main characteristics of a great business opportunity is that you do not have to invest too much money to get it off and running. In fact, you can start a home based business without investing a cent or at the very least you only need to invest a very small sum of money. Secondly, a great home based business is one in which you get to sell products and services that you can sell no matter where the buyers live.A great home based business is also great when it involves selling products and services that are very popular and much in demand. With such products and services, you won’t even have to look for customers because they will come to you.Another characteristic of a great home based business is that it will give you a chance to make huge profits. The start-up costs are low while the returns are high. Competition is less and it is also easy to sell products and services that are in demand. The best digital home based businesses are reviewed in detail in my free guide, which you can find below. However, which one is best for you depends on what you are looking for.I hope this article has been helpful to you in learning more about how you want to approach your future endeavours. Please contact me anytime!

Real Estate Development – Two Essential Keys to Building a Successful Property Development Business!

When it comes to real estate investing very few investors actually look at building their property portfolios as a real business. They need a shift in their way of thinking and to approach real estate investing more like an entrepreneur.

In our opinion two of the essential keys to running a successful Real Estate Development business are using great systems and forming great long term relationships.

Entrepreneurs use proven systems and leverage off others to run their business effectively and they view their business as separate from them. They realize that they are not their business and see their business as the end product. A property developer who understands that, has a real opportunity to become very successful.

When you realise that real estate development is a business and that your business is your product, you can then start to work on building your business. To build a successful real estate development business you will need to change the way you think and your approach to real estate investing.

We believe that the ultimate real estate developer is what we call a ‘Real Estate Development (RED) armchair entrepreneur’. You see, the traditional property developer still thinks that real estate development is a job. They believe that time equals work and work equals money, whereas a RED armchair entreprenuer believes that time equals equity and equity equals freedom. In other words if RED armchair entreprenuers spends the time to build equity it will allow them to get free of the business and if they want more freedom they build more equity.

Traditional real estate developers still believe that they need to do the work and be part of the system whereas RED armchair entreprenuers believe that they should build great relationships and have others do the work. This enables RED armchair entrepreneurs to build their businesses much faster.

When the business owner is also the hands on developer it will usually require much more hard work to make the business successful. It is much smarter for anyone considering entering into the industry to set up a business where the systems run the business, and let others run the systems. In other words the systems and other people work for you so you don’t have to.

Working on your business allows you to work on the things that really matter and that will give you the biggest return for your efforts. RED armchair entrepreneurs use systems to streamline tasks and avoid chaos so they can concentrate on growing their business efficiently.

When the systems are being run by others RED armchair entrepreneurs are able to focus their attention on innovation. They can capitalize moments of inspiration and through effective communication they’re able to turn their dreams into reality.

If you think about some of the great property developers, names like Donald Trump will typically come to mind however one of the biggest property developers was actually a school drop-out, Ray Kroc the founder of McDonalds. An entrepreneur with an incredible vision who worked on his business and not in his business.

You see Ray never considered that he was in the hamburger business but rather that he was in the business of real estate. Ray secured development sites in great locations, put fast food restaurants on them which he franchised. Ray Kroc died on January 14, 1984 and was worth an estimated $500 million.

YOUR ULTIMATE GOAL

As business owners and proud parents our most important asset is time and as much as we wanted to be actively involved in real estate development we knew we didn’t want to be traditional real estate developers who worked long hours trading their time for money.

Instead we looked at the big picture and applied the same entrepreneurial skills we had developed in our architectural practice to property development. Real estate development had to contribute to our ultimate goal of achieving financial freedom and giving back.

We knew that when we achieved our ultimate goal it would give us more choices so we could start to live our dream lifestyle according to our core values and with passion and purpose.

To be successful at real estate development you need to connect with what is most important to you. As soon as you start thinking more like a RED armchair entrepreneur and set your ultimate goal or the dream that drives everything you do the more real estate development will give you a sense of direction and purpose.

Your ultimate goal will make you want to jump out of bed in the morning and stay up late, it is your innermost driving force. It will allow you to live your life intentionally, rather than randomly and it will motivate you to achieve your full potential.

Setting your ultimate goal has nothing to do with real estate development. It is about how you want your life to be like.

It isn’t about material things, or about others. There is no right or wrong answer because it will be different for everyone. It is about your life so it is, in essence, what is true for you. Real estate development is only a vehicle that can be used to support your ultimate goal.

To set your ultimate goal, you should start off by asking yourself questions such as:

* What do I need in my life?

* What do I want in my life?

* How do I want to live my life today?

* How do I want to live my life in 2, 10 or 20 years from now?

* What has given me great joy so far in my life?

* If I had a magic wand and my life could be anything I wanted it to be, what would that life be like?

Knowing your ultimate goal gives you the ability to make conscious choices that are consistent with what is important to you, your core values. It will help you set your life’s purpose and put real estate development in its proper perspective.

Measuring Your Real Estate Investment Returns

Congratulations, you have finally found one source of information that is both invaluable and easily applicable for your future investment decisions.

We have read many books, reports and various articles on investments, property investment in particular. The majority of them contain great information, some of them even give you instructions on how to implement that information. However, none of them seem to provide the missing ingredient to convert the intent of the article into the actual result. Their “how to” information is never complete, too complicated or overly simplified.

Finally, out of all our research, we have found a major deficiency in the information provided by other authors -

They do not explain properly why you would invest in the first place!

They do not explain how to measure your investments!

What is the point of investment if you do not have a very specific goal in mind? And if you do have an outcome in mind, how do you know that a particular investment will achieve your desired goal?

We hear many times that people wanting to purchase an investment property, without necessarily knowing why they are buying an investment property in the first place. We have probed for the answer only to receive blank looks, vague statements and complete incomprehension of the questions.

Ask yourself, why would you purchase an investment property?

Is it to create more wealth sometime in the future?

Is it to help you financially on a daily basis?

Is it to generate a specific return on your investment?

Is it because investment property is a better investment than shares?

Do you have answers to the above questions? If you do, how specific are those answers?

We have found that people will generally answer yes to all the above without having any specific outcome in mind.

In this report we will give you the primary tool that you will need to start answering the above questions.

That tool is the ability to measure the return on your invested funds.

If you cannot measure your return, you will never be able to achieve any of your objectives, or you will achieve them through luck and not objective, measured approach. Luck will not let you repeat your investment strategies. Luck is only good in casinos!

So how do you measure returns?

Let’s step back and discuss what is a return on your investment. When people talk about percentage returns or dollar returns on investment, they usually define these returns by time and the baseline investment.

So for example if you purchased a property for $200,000, after 1 year that property might be worth $210,000. Therefore your return on investment is $10,000 in one year or 5% in one year. This example has a specific period of time within which a return is measured.

However, when you measure a return on investment, do you need to measure the return on the whole price of the investment? When you purchase an investment property, do you purchase the property with CASH? Granted, some people in very exceptional and sometimes suspicious circumstances do buy property with cash! You would agree with us when we say that this is extremely rare. In most cases the investment property is purchased with a combination of your money and the bank’s money.

In fact, in most cases, the bank lends the majority of the purchase price – 70% to 90% of the purchase price. This means that generally you only put up your own cash as a fraction of the property price. Given that you have only invested 10% to 20% of the total purchase price, when working out the return on YOUR investment, why would you work out the return on investment based on the whole price of the property? You did not buy the property entirely with cash, therefore you don’t need to work out the return on investment on the entire price of the property.

We can provide an example of this in another field. Say you wanted to purchase an antique chest of drawers. You know that antiques go up in price with time, especially if they are properly looked after.

This particular chest of drawers cost $1,000. You did not have $1,000 so you borrowed $800 from a friend and put up the balance of $200. You made a deal with a friend that at the end of the year once you sell the piece, you will pay him $40 for the loan. At the end of the year you managed to sell the piece for $1,100, or for an extra $100. So you might think that you have made 10% return.

Or $100 profit divided by the $1,000 purchase price. You would be wrong. What you really made was $100 profit less $40 that you have to give to your friend for the loan. That makes $60 profit to you. To calculate your return you need to divide YOUR $60 profit by YOUR $200 investment. This means you made 30%. You only calculate the return on YOUR money and not your friend’s and not on the total purchase price of the antique piece.

Here is an example of how your property investment will look. The numbers are purposely simplified and do not take into account various expenses:

Example 1 – Return on investment based on $200,000 property purchased with an injection of 20% of your own money.

Purchase Price $200,000
Increase in price in 1 year $10,000
Return on Investment in 1 year 5% (this is calculated by dividing the Increase by the Purchase Price)

Example 2 – Return on investment based on $200,000 property purchased with an injection of 20% of your own money.

Purchase Price $200,000
Your investment of 20% $40,000
Increase in price in 1 year $10,000
Return on YOUR Investment in 1 year 25% (this is calculated by dividing the Increase in price by Your Investment)

In both cases the property cost the same and increased in price the same and over the same period of time. However, in Example 2 the return on investment was calculated on YOUR initial cash that you invested into the property. The difference is massive – 500%.

You see, in this example, the bank that lent you 80% of the value of the property is already receiving a return on their investment. It is called interest. They do not require you to give them a part of the property appreciation as well. Given this, you can not count the entire value of the property in your investment return calculations.

Of course it is not as simple as that. There are other considerations that need to be included in the calculations to be precise but the basic idea is correct. If you started applying this method to calculating your return on investment, you will discover that investment property is an extremely high yielding investment returning anything from 20% to 100% per year on your investment. Investment property rivals shares for returns and surpasses shares through removing volatility and risk from your investment.

You have heard from so called experts that investment property will always underperform shares and other investments. You have heard that the only way to receive a high return on investing in property is through appreciation (price growth). You have heard that rent does not give you a high return. You have heard that you have to use Negative Gearing when investing in property to squeeze out any return. Unfortunately, none of these statements are true.

Let us show you why….

Let’s take an example property with the following variables:

Purchasing and Investment details:

Purchase Price (new 2 bedroom unit) $185,000
Bank Loan – 80% $148,000
Interest on Loan (Interest rate 5%) $7,400
Your Contribution – 20% (your cash) $37,000

Cashflow details:

Rent per year (Gross) $10,140
Total Expenses (property management, insurance etc..) $3,100
Rent per year (Nett – rental income after all expenses) $7,040
Total income from tax deductions $1,960
Total NETT rental income plus tax deductions $9,000

From this example we see that your final position by owning this property is that you will have a $7,400 interest bill and about $9,000 in income. Therefore, you will MAKE A SURPLUS OF $1,400 PER YEAR. What does that mean if you work out return on your investment?

Well, you have earned $1,400 on your initial cash investment of $37,000 (your contribution to purchase the property). This represents a return on your initial cash investment of 3.8%. That is low you might say and we would agree with you. You forgot about one thing… this property is paying you money to own it. You have just bought an asset that pays you from day one.

What happens to property over long term? Generally properties go up in price. In fact, the average increase in price recorded over the last 100 years or so is compound 7% per year. If we apply this thinking to the above example, 7% increase on the original purchase price of $185,000 is $12,950.

Therefore to calculate the TOTAL return on your original CASH investment, you need to do the following…..

1. Add the income from rent and tax deductions to the price appreciation.

* $1,400 + $12,950 = $14,350

2. Work out the total return on your initial investment by dividing the above by your investment

* $14,350 / $37,000 = 39%

Amazing, your initial investment of $37,000 used to purchase this property earned you 39% return on YOUR MONEY in the first year. Of course, unlike shares you are not able to cash out and take this profit immediately. With property, you have to wait for some time before you can cash out fully.

To put a 39% annual return on your money in perspective, it is 10 times greater then the bank will pay you. It is 4 times greater then professional fund managers strive to obtain – the same ones that get paid millions in bonuses. It is nearly 2 times greater then the richest man on the planet, Warren Buffet, consistently makes.

How does that compare to all your share investments or any other investment for that matter? Where else can you buy an asset and have it pay YOU from day one and increase in price? Remember property appreciates in cycles, but it ALWAYS appreciates.

This is what property professionals know and do not seem to want to explain to everyone else. Now you know how to calculate real return on your money, not the bank’s money. You do not have to work out the return on the bank’s money, the banks can do it themselves. You need to care only about your funds. So when you do the calculations right, you will find that overall by purchasing the right investment property, you will make up to 100% returns on your money. In the worst case scenario you will only make 30%. Either way, the returns are phenomenally high by normal standards.

All this can be done without any risk and in some cases, with absolutely guaranteed rent!

Now what do I do?

Hopefully we have shown you that property is a remarkable investment that is hard to substitute. Not all properties are the same and you need to watch out for those that may stand empty for long periods or give you tiny tax deductions.

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.


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