Can You Make $200 a Day Using Facebook?

Can you make $200 a day just by using Facebook? - Find Out NOW!

Monthly Income for Fun and Profit

By Perry Jones

Is it possible to earn high-paying monthly income for the average "joe?"

It is, if you are expecting to not get too high returns, unless you have the net worth and experience to be classified as an accredited investor.

No?

That's okay. There is one easy method that is fairly risk free and can put money into your pocket every month.

Secured by real estate, this program has been used by the wealthy for generations. Now is your chance to get onboard with this lucrative source of income.

How much does it pay?

The entry level program has an annual interest rate of 4.25%. That's much higher than a bank will pay you, even if you buy one of their CD's.

Without any further risk, but with a much greater injection of cash, you could be earning up to 22% annual interest.

What is this "magical" program?

Well, there's no magic about it, but this program is private lending.

Whether you lend to a neighbor, friend, family member or a business (probably the safest and most secure loan), you could generate cash income just like the bank you park your underworked money at.

Now you can get your money working for you - and not the bank. YOU get to be the bank.

Private lending isn't for everyone, but if it's what you are interested in learning more about, one of the safest and easiest places to start is below.

Kearsedge Boston Private Lending

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Because I wrote this article, you deserve full disclosure. I am the Investment Advisor for Kearsedge Boston and creator of its Private Lending Program.

Risk vs Return - The Best of Both Worlds

Written by Dan McFerran of www.themortgageformula.com

*****
Creator of The Mortgage Formula. After working in the financial industry for over 20 years, for major banks and as a licensed financial planner, the author created The Mortgage Formula to help "Mum's and Dad's" pay off their mortgages quickly and easily w
****

We’ve been trained to think in terms of risk vs reward. Low Risk = Low Return, High Risk – High Return, but what if you could have the best of both worlds?

This information alone is worth hundreds of thousands of dollars over your lifetime and you’re reading it now for free. I used to charge people thousands to advise and implement this strategy and they loved it. But anyone can do it, and the best way to do it is to set it on auto pilot. I’ll show you how right now.

Option 1

Let’s say you have $20,000 to invest and want a decent, low risk investment. The best I could find today, in Australia was around 3.80%pa. OK not so bad...however the current core inflation rate is 2.3%. So for your $20,000 to buy the same amount of goods and services next year needs it needs to increase to be $20,460 ($20,000 x 102.3%). Assume that I’ve just earned 3.80% on my $20,000 which gives me $760 to include in my taxable income for the year. Based on a average tax rate of 40% , that leaves me with $456.

Wow... I just lost $4 by having my money “invested” in the bank.

Option 2

So let’s look at another option. I have a $235,000 mortgage with XZY Bank Ltd and my interest rate is 4.5%pa. I decide to check if my bank allows a fee free redraw on any extra money I contribute to the loan. They confirm with a YES you can. So, I now invest the same $20,000 into my mortgage reducing the loan to $215,000. Firstly, when they calculate interest, they generally do it on the daily balance and charge it monthly. So the first benefit is that when you make your next mortgage payment, you will make greater headway into reducing the principle outstanding amount by being charged less interest. Fantastic!

Annual Effect

Let's look at the annual effect of just the $20,000. So we get $20,000 x 4.5%pa = $900 that you’re not being charged on your mortgage by your bank. This is like earning money on an investment but you don’t pay any tax. That’s right...to compare this investment, apples for apples, you’d have to gross up the $900 by your rate of taxation. For me, I’d have to invest and earn $1,500 ($900 divided by 0.6) to match the after tax return of putting it into my mortgage. The equivalent return is 7.5% pa as shown here:

Principle amount
$20,000
Annual rate of return
7.5%
Return in dollars
$1,500
Tax (at 40%)
$600
Remainder
$900
Inflation
$460
Net
$440

So, even if you were to put the money in your mortgage for 12 months, you’ve managed to retain your buying power of the money and add $440 to the amount. That's a win, and its gets better the longer it’s left there!

Can a Sports Robot Accurately Predict the Winners?

How about something fun?

If you're into sports - of almost any kind, this may be for you.

There is a sports robot that has been able to accurately predict the winner about 80% of the time.

If you like to bet on sports, or just follow sports, this could be something that would be helpful.

There are free tools, point spreads and win percentages.

To find out more Click Here

Give Me a Compelling Reason to Change..

As a follow-on to an article I wrote in November for ImageSource Magazine, entitled A New Way of Doing Business” , this is the second installment of why it is so crucial to properly understand the clients business and technical requirements before recommending or implementing a solution.

In traditional sales we have learned there must be a compelling reason for someone to spend money. The reason could be from pain their experiencing, an impending change i.e; like a move, a new mandate they must meet to maintain compliance, or simply the fact that management is fed-up with the incompetence of the existing office workflow. Wherever the pressure comes from, it must be “compelling” enough to make the decision maker pull the trigger, and change. While this is true, this is only one step in what has become an involved sales process!

Let me be clear, the sales process is what keeps food on the table. It is necessary and paramount. The issue is not with the fact you sold them something that they had a compelling reason to buy, the issue is: will your solution specifically address their business requirements? If yes, they will continue to supply food to your table. If no, they will tell everyone they know that you’re “eager in sales” but “apathetic in listening”! My point here is that there is a lot of work to be done prior to the sale and it should be done by business and technically competent staff. This is kind of like painting a house. The painting portion is rather easy. The preparation is really really hard!

Now let’s get down to the details…

Someone has to do the upfront work. This involves interviewing staff at four levels: IT, end-users, mid-level management and executive level management. Questions should be well thought out, applicable to the task at-hand and the department, gentle but to the point, and well rehearsed. Time is of the essence, especially when you're asking high levels of management for their input. Aids (toolkits) are available for this, but aids plus training is always better.

IMPORTANT POINT: The person conducting these interviews must possess a requisite level of business acumen in order not to seem incompetent when managers explain the workflow process and then ask for suggestions. Additionally, end-users can pick up ignorance from a vendor very quickly. In both of these circumstances credibility can be damaged, and right when you as a vendor need to appear as the Subject Matter Expert! Remember, people buy from people they believe are confident about their solution and competent enough to explain it. If you don’t have a SME, you may consider outsourcing the first one or two, and ask for ‘on-the-job training’ at the same time.

Do you have a good solution? This is the phase where you must be brutally honest with yourself. Does your company offer a solution that will technically address the needs you have uncovered? In your bevy of offerings, you may be able to address 100% of their needs, or perhaps some degree less. As long as you match what your system is capable of doing to the specific need the client has and explain it to them, it may be enough, even if it’s not 100%. The absolute worst thing a salesperson can do is to sell something that doesn’t fit!

Design a solution. Finding the appropriate hardware and software is only the first step. Architecting the system is next. If the solution is a simple archival system (used to store, search and find) then it’s easy and most people with an IT background can do it. However, if automating workflow process is involved, this one can get tricky! This requires not only a true understanding of the existing workflow, and a thorough understanding of what the software can do, but also the architect needs to have a strong understanding of the Functional Requirements from client side Management. They will change it from what they need to what they want really fast. Example; I need a car to drive to work, but I want a Lamborghini… Trust me when I say; you can design and implement a system that makes perfect sense, then management sees it and says “Yeah, but what if..”. that one will get you every time! it's called “Scope Creep”!!

Prepare the report and the presentation. This is obviously a key element. My point is not so much about how to make it “look good”, but more about “what does it contain”. Time will not allow me to expound much, but here are some basics. It has to detail the subordinate facts from the interviews, about the present state, desired state, and Gap Analysis [differences between the two]. Then present the business case [financials]. Remember the term “compelling”? There has to be a reason to implement your solution — to change —to take action! Lastly, the report has to have the Implementation Plan, complete with change management, risk assessment, risk mitigation, a phased roll-out approach, workflow breakdown structure, and more… Again, outsource the first one, do on-the-job training, and learn to be the best at it! The first sale will cover these costs.

Doing a proper Needs Assessment changes
what the clients says from “Let me think
about it.” to “When can we get started?”
Change is good!

Join me at ITEX, March 11, at 12:50PM "Professional Needs Assessments" Byron Aulick, CDIA, ECMs, Project+ certified ECM Institute BATesting@icloud.com

$DollarSign - Real Estate Crowdfunding

$DollarSign, Kearsedge Boston's platform for particpating real estate partnerships is launching. Providing institutional quality real estate for accredited investors, $DollarSign's team of experienced professionals scours the nation for commercial real estate that represent the best investments.

$DollarSign expects to post at least one new opportunity on its platform each week. With good returns on investment, high targeted IRRs and consistent monthly income, $DollarSign is certain to provide investors with the real estate diversification that investors seek.

All $DollarSign investments feature consistent monthly income with a share of equity. Perry Jones, Vice President of Business Development for $DollarSign states, "Our team seeks out the best investment grade commercial real estate assets across the country. From the dozens of assets we review each week, we expect to present just a single institutional quality opportunity that meets our exacting standards and provides for a consistent monthly income at an above average rate of return." $DollarSign's investments can provide steady passive income. For more information, please visit $DollarSign's website here.

Blissful Balance

Blissful Balance - Get your gift basket here! Condolence baskets, healing baskets and comforting baskets, baskets with chamomile.

Get all your baskets here.

http://blissfulbalance.com/condolences_gift_basket.html