The benefit of move back to your house

Every people dream his or her house where they can live together with his other family.  However, it is not easy to buy house because the price is increasing over many times.  We also face to economic meltdown than influence our money. It is hard to save money now.
Some unlucky person cannot pay the mortgage so the bank may seize the house. They have to find the shelter for their live. Some may rent the house or rent apartment. Of course, it is not cheap; you have to pay the rent monthly or annually so the monthly spending increases.
Here are the benefit that you can get when you moving back:
1. You can save the rent fee or room rent fee. Some people can spend at least 500 per month. Some others spend thousand dollars for it. You do not worry the landlord will ask you to pay the rent.
2. You can save in cleaning cloth.
Your mom may have huge washing machine. You do not have to pay the wash machine or laundry. It can save hundreds dollar a month. Off course, you should provide the detergent. You should also help your parent to fulfill their daily living cost.
3. We can share the light together
You do not have pay much electricity bill high. You can jointly pay the eclectric bill. It must be cheaper than you pay the electric bill alone. 
4. cheaper food spending
You can save some dollar when we live with your family. You can buy in bulk meat, vegetable, fruit, and others that is cheaper than buying in small quantity.They can save those food at refrigerator.
There are so many benefit in moving back to your home. You can also care your parent. However some people does not like to live together with the parent. They are worried that they will depend on the parent. Some parent spoil the children with anything.
They also do not want to move to the parent house which is also small. They worried the family will make the parent bothered.

Hottest trend to make money

Last decades, some people use internet to make money. They believe internet, is a new giant power that make million dollars. With internet, we can sell anything and get commission from it. You can also work for foreign people. Some people collect five dollar from he gigs by doing something.
People try to make money to increase the wealth. They realize that there are some opportunity to makes money. Some things you can do to make money fast. Here are some hot trends to make moneys:

1. Franchise
Some people said that franchise can make money fast. There are some fast food restaurant that offers franchise. Some businessman can generate money for least one year. With the franchise, people can open restaurant easily. The franchise will advice the businessman to found the restaurant. They supply the food ingredient such as chicken, bread, cheese, vegetables, and others. The franchise also provide skilled waitress or they will train your waitress.
The businessman does not need to promote the franchise because they have name and brand. The consumer that loves the brand will come to you.  Most franchise business is success. You just need some money or place for your franchise. The place is very important because it can attract so many consumers to your restaurant.  A franchise in my country said that over 95% franchise can make profit.

2. Writing freelance
Some website hire to write at their website such asassociatedcontent, hubpages, squidoo, infobarrel and so on. Some good member can make dozen or thousand dollar from the website. There are million people try to be freelance writer because it is not difficult. Some foreign people learn english and write the content and submit it to the website.
Some people prefers to build a blog or website to put the content. They can make one thousand or two thousand dollar a month. They can generate money from advertising such as Google Adsense, Yahoo publisher network, and so on.
You can make few bucks buy selling your content. Promote that you can write for some topics. Most blogger does no wan to tire and they hire the freelancer writer who write good article. The website or blogger will hire you again as long you write good article for them.
It is not difficult to write 500 words or a 1000 words article. You may need only twenty or thirty minutes to write the article. You can research the topic by reading the book or website.  You can also offers proofreading service for the amateur writers. Some of them need you to improve the article.

3. Rent a room
Do you have  so much room? You can rent to other people. A student can pay $500 per month for a room. If you have ten room, you can make $5000 per month. You can convert the garage room to a nice room. 
If you live near the college or the industry, you will be not difficult to find the tenant. Most students seek the cheaper room for staying. They just need it the room for sleeping or studying at the night. Most students spend his or her life in the university.
To promote the room, you can sticky the leaflet in campus or place the gigs at craigslist. The student will phone soon to ask the room soon.

4. Freelancer worker
Some employee offerss the jobs on internet. They want some research project done. They do not want to spend time by doing it. They offers to anyone who can finish the job. Some jobs duty just record the website and make a brief description about the website. I believe we can do the jobs easily. The salary may not much as worker as.
Some people also seek the people to make the presentation. They must be busy man so they hire other people to do the job. We can create a good presentation file. The presentation should be write in good English. The content of the presentation should be good too.
The freelancer can also work as virtual assistant. They can work through online. There are so many jobs they can do through online. My brother is an accountant for some company. He does not have to come everyday o the office. He jus comes once a week. He will finish the report at the end of the month and year.
We can work for some boss not only one boss so we can get money from some boss too. Some people work as freelancer than as ordinary worker because they can get more money though they cannot get pension. They can work for boss who can pay more; on the other hand, hey can refuse to the miser boss who do not pay appropriately.

5. Selling online
We can buy a unique things on internet. Some people use internet to sell the old items. Perhaps someone needs old item from us. By selling the items, we can get two benefits i.e, the empty warehouse and the money. You do not have to store the old item that you do not need anymore in your warehouse because it will make your warehouse full.
If we have no item, we can sell other people items. We just promote the items on our blog, facebook, or twitter.  We just get 4% commission from there. If we can sell more items, we can get more commission. Some blogger can make money from selling other people items. I have ever read a blogger can get $3000 dollar because he has sold an old car.
Selling online does not need much money. You just need computer and the internet connection. Then you can build a blog or website. The content of website must be similar to your product that you want to sell. Some people usually research the product before buying anything especially the electronic things. Some bookworm also read the review before they buy the book. They want sure he book is very good and they need to read it.

How to cope when a family member cannot work because ill

Life is unpredictable. We want our body health but sick could attack us. Tough, we have kept our body health by eating health food, doing exercises, and so on. Some company will fire the ill employee because the sick man is not productive anymore. The company will replace the sick man with other man.
The company may pay the last salary and some severance for the ex employee. However, the money may be not enough for the sick man moreover the sick man is head family who responsible for the family. The worst, the wife may have no job. Some wife must apply a new job.  The wife may leave home to support the family. Perhaps a new problem will come. When the mom should work they should leave the kid who needs the mom.
Loosing the main of income source is a bread dream. For a couple months, the family can live from he severance, however, they should cope the situation. Here are some actions that you need:
1.    Use Saving or investment
It is time to use umbrella I rainy day. That is why we save some money. It is time you use the money. You may have some money that you have saved for yearly. The saving may help your finance for a while. However, you should make money before the saving run down.
Investment also can help you in this situation. Perhaps you have so much stock that you have invests for dozen years. You may just receive passive income for investment. Receive dividend yearly without doing anything.

2.    Re budget
Since the income side of budget decline, you have to make some adjustment in expenses or spending side. Trim the spending that you can. You have to reduce eating out that can save hundreds dollar in a month. Hiring the DVD is cheaper than going to cinema.  You have to spend less for entertainment budget.
You should also think to find the alternative income. You can start business now to make money.

3.    Support your family member
Do not blame the sick man but you should motivate him or her. It is not his or her mistakes that he or she suffer sick. The sick need your support and some motivation may help for them. They may recover from sick someday. The support can heal some disease especially psychomatic.

4.    Don’t be panic
Yes, most people will panic if someone ill in this family moreover the family member is the main source of the family income. They think they will not have money and they must suffer. They know they should cut some expenses especially for leisure. 

Panic does not help you. You have to construct the steps to cope your problem.  Stay calm side the bad situation.

source

http://notmadeofmoney.com/blog/2013/02/how-to-cope-when-a-family-member-becomes-ill-and-cant-work.html

How to increase your saving in recession time

At the recession time, people are difficult to make money and they should pay more for spending. Though the boss whose has large factory feel difficult to get money when the recession.
On the other hand, Some people are easily to get money. Here are ways to make money when recession:

1. Take second jobs or side jobs
My friend teach for ten college to raise his income. He just get little money if he just teach a college. He teaches from a college to other college.
Some clerck whose hold master degree also teach at the afternoon. We can get $ 70-$80 each time we teach the college. If you have doctor degree, you will be paid more.
You can work after back to your home. Use your skill to make more money. There are some gigs in internet such as writing. Perhaps you can write article or some article. It is not heavy jobs to do it.

2. Open a business
You can strat the business to make money. Explore what kind business that can generate make money. Some business can make money fast.
Today, people can generate thousand dollars from blog. If you can write great content, you can generate couple thousand dollars in a month. You have to patient to the niche or subject of the blog.
The easy business is selling a thing. You can sell food

3. Generate income from asset
rent your room for hundreds dollars a month. Announce that you need room in the newspaper or craiglist. If you have more than one house, you can rent one of them.
You can also hire your land to the farmer. They can share profit from farm with you. You do not have to pay the tax because the tenant will pay it.

4. Sell Old Items from your house
Go to the garage, roof, or warehouse? Is there something that you can sell. You may change the items with little dollar. If you have some antique, you can get thousands dollars. I saw in pawn stars some people got hundreds or thousand dollars by selling the antique. Selling he antique is better than let it at the warehouse.
Promote your old items at craigslist to get the buyer. You have to promote the items through facebook or twitter.

5. Sell your hobbies
Do you like knitting? Some people can sell the knitting on internet. We can make money from there too. Some woman may need scarf or baby need nice heat.
Mom who can cook cookies may sell the cookies to neighbors. Perhaps they like your cookies because your cookie is very delicious. You can offer other people to buy your cookie. Promote your cookie through website, blog, facebook, twitter, and others.
If you have so much cat, you can sell it to the cat lover. Turn your hobby to business. It is not hard to do that. Raising cat for cat lover is not difficult. They can raise dozen or hundred cats easily.
Some people collect rare edition or old Marvel comics. They can sell it to get dozen or thousand dollars. You need to check your warehouse to see your collection.

It is important to make money in recession times. Try to find the idea to makes money.
read also:
The benefit of recession
Why Financial Planning is necessary
Four financial goal mistakes

Three money management tips for single

My brother has high salary but he can save so much money. He often spend the money for leisure things. He buy the gadget; whereas, he has had new gadget. He also like cars and he has three cars. He also charity to our family. He used to give his nephew and niece five to ten dollars. That is why his nephew and niece also love him. He is a generous man.
The company that he work also provide health benefit. He will get some money when he sick. The company also provides retirement fund. He has so much money because he has not yet married. He does not need to pay the school fee for the kid. He also does not need to buy food and cloth for family. However, he should manage the money for the future. Someday, he will marry a girl and must fulfill the family needs.
I also suggest him to buy a house or land but he seem no hear me.   I believe he can collect so many assets by investing in stock or other investment.
Here are the money management tips for single:

1. Create a budget
We can set a part for the various spending. The budget help the single to manage their money. They can thrift the spending. The single should save more for the future. They maybe easy to get the money now but someday they will be difficult to find money. They should save so much money to cover them.
List the expenses that you use to spend. It is not difficult to do it. Write the expenses in a spreadsheet or note book.  The first expenses are the most important expenses such as food, cloth, gasoline, transportation cost, apartment fee, and so on. Then watch the list. You can reduce the item that you do not need it very much.
Separate the need to the want. The money is never enough to buy your want. You have to drive your self to buy useless things.  Reduce eating out o save hundreds dollar a month.
Be clever to spend your money too. Buy used things that are cheaper than new one. As long we can select the item, we can get the good items. We can buy used book or hire it at library.
A single will married someday and they need to save money for it. The cost of wedding is high too. In my country, the man should provide bride price for the woman. The bride price is not cheap.
Do no forget to allocate some money for saving. A least you need to allocate you salary to your saving.  The rule of thumb is ten percent. I hear Chinese labor can save 70% of their salary and they also invest he money at capital market. They could reach wealth soon though hey are jus a labor.


2. Avoid to buy everything
A single woman often buy the cloth, accessories, cosmetics, and so much. They want to looks beautiful. They can spend thousand dollars a month for spa, salon, and others.  On the other hand, a single man tends to buy gadget or electronics. They can save thousand dollars to satisfy their curiosity on the gadget. A single man also likes car or motorcycle. He can buy so many cars for showing to his friend. They want to
They have to press the desire to buy anything. You just need gadget to communicate to other people. You may do not need the feature of the gadget. Use the gadget until it broke and you can buy the new one.
3. Set the emergency fund
Set aside liquid cash for emergency fund. When you need cash immediately, you can use it. Some people who does not set the emergency fund will find debt to cover the living cost. They must  payback the debt with interest. Emergency fund or rainy day will avoid you increase debt.
Emergency fund is like umbrella in rainy day. The umbrella will protect us from the rainy day.
The amount of the emergency fund depends on your routines spending. If you spend more money, you have to set more money for emergency fund. Thus, multiply your monthly spending with six or twelve times. That is he rule thumb of emergency fund.
Where do we put the fund? Some people may hold the cash at the house. I think it is not safe. You can also put the emergency fund in short term investment or liquid investment so you can withdraw the fund wherever you need. 
Read Also:
Financial Planning for 30's
Golden rule for financial prosperity

5 ways on how to lift from poverty

The world is full of various people. Some people are rich but some others are poor. They are hard to find dollars for buying foods. Sometimes they must find food at rubbish. They hope the rich man throw the food to rubbish. I believe the food must be bad for health. They are forced to live in shirt without a settle. The cold often make them fever and the rainy make them wet. They just burn the fire in a barrel to warm their body.
Most people do not want to live in poverty though lazy man. People try hard from morning to evening to lift them from poverty.  Some poor people choose wrong ways to lift from poverty.  They sell the kidney for thousand dollars. I believe I will not lift the poverty. They still live in poverty and loose the kidney. We do no have to sell our organ to lift the poverty or play Russian Rolette for it because there are so many ways to lift from poverty?
There are some ways to lift you from poverty, such as:
1. Working
Most people get money from working. They will get paycheck everymonth from the company. The company also give the employee retirement fund, medical benefit, insurance and others. After work dozen years, you can lift the poverty. You may have car, house, and other. You can also consider working for government. Find the jobs that right for you.
Only few people will get the top position, such as Jack Welch. Most people will stay in down line or work as clerk. They may not rich but they can lift them from poverty. They can save dollar by dollars for long time.
You can work as a freelancer. If you have a skill, you can offer to other people or place ads in gigs. The people will pay you after you finish the jobs. At first time, you can offer free service or cheap payment service but after that you can charge expensive fee for your service.
Walk around your environment. Perhaps your neighbor needs you to paint the wall or house. You can also help your neighbor to cut the grass or others else.
2. Starting a business
In a developed  country, most people prefer to start business rather than working as employee. They believe that business can make more money rather than working as employee. They do not have to go to office everyday but they receive more money.
This is a fast ways to live from poverty. If you have marketing skill, you can get money fast. You can sell anything to other people to makes money. The return of selling could reach hundred percent in a short time. It is better than any investment today. For example, you buy a toy one hundred dollars this day and you can sell it for two hundred dollars. 
You do not have to have much money to sell anything. You can sell other people stuff to get the margin. Surely, you need to ask the permission first. Some blogger or website owner sells other people stuff for the commission. The commission is not much four percent but you can make more money. In my country, a internet marketer got $5000 per month from Amazon.

3. Saving
You may not have much income but you always set aside the money for saving. After long time, you will find your money so abundant. You can become wealth someday. I hear a poor man collect a penny by penny and he bring the penny by wheel. He buys the house after he collect the coin dozen years.
Saving is very important for every one no mater what is your prophecy. The rule of thumb is ten percent of your income. Place the saving first when you receive the salary. You can put the money at the safe place.
Saving does not mean you insert the coin to the piggybank. You can also save the money when you buy at the grocery. You can also use coupon to save some dollar.  You can save so much money from there. You can save the money or you can use the money for other need.
Saving is also important when you must spend for unexpected things. We cannot predict when we sick. Sometimes we must go to the hospital because a virus attacks us.

4. Investment
After saving money, you can invest it to the investment. If you are lucky, you can get benefit from it. Some people can get benefit from gold investing. They have invested their money to gold years ago. They know that the gold price will increase due economic meltdown.
On the other hand, the stock market investment is not good recently. Most market index declines so it can generate return to the investor. However, someday, the stock will rise to the peak. We do not know when it will happen.
Do not put your money to an investment only. You can allocate the money to various investment such as stock, ETF, mutual fund, and else. Consider the real asset such as land, farm land, property and else. The property price increases and you can also make money from it. Rent he property o whoever need it. 
Manage your investment well. Construct the portfolio that can reduce the investment risk. For young people, they can prefer the risky portfolio that consist risky investment. Thee risky investment is risky but it can make more money. For old people they are better to safest investment.

5. Write a book
Some book writer can make million dollar from book. If you have talent to write, you should start now. Increase your skill to write by writing in blog. Someday they become a famous writer in the world.
Everyone is an expert like Seth Godin said. Why something do no write that you know it very well? The people may buy your book.

You should work hard to lift you from poverty. Do not hope that gold rain come to you.

Why a retiree should saving his money?

The retirement is an element of financial planning. The financial planning is said not completed if it does not include the retirement. Either employee or businessman needs retirement fund. Those funds are important when they retire from company. We realize that we cannot work forever. Old man cannot work fast as the young man. Some old man has disease. They cannot stand for hours or sit in the front of the computer for hours. That is why the company retire the old man and replace them with young man. The company want the efficient and effective employee or labour to gain profit.
After retire, the retiree has no paycheck from the boss.If the worker has a business, they can generate money from there. The business revenue can replace the paycheck. However, not all retiree has business, so they just expect the money from retirement fund.
If you save much money in retirement fund, You can withdrawn much money too and reversely.
When the worker near retire,  the spending could increases. Perhaps they need big fund for kid education. The college fund is high today especially medical school.
When you retire, you may need to maintenance your house because you have used it for dozen years. The leak roof should be improved or it will damage the other part house. For the retirement who has not yet pay the mortgage off, they need so much money.
For the freelancers or businessman, they should contribute to the retirement fund too. They are different from employee which the company cut the retirement fund from the salary directly. The freelancers or businessman should earmark the payment and business profit to the retirement fund.
To get the great retirement fund, people should contribute early. They can start to contribute at twenties. The money will grow over many times. They will withdraw more money than employee who starts contribute lately. Example, Mr Jones started contribute the retirement fund at 20. He used to paid $100 each month. Now, Mr Jones decide to withdrawn the retire after 50 years work. He will get  equals. On the other hand, Mr Thorn used to contribute $100 but he started to save at 40. He also withdrawn at the 70. Mr Thorn got equals
We can see Jones got more money than Mr Thorn despite those two employee contribute $100. Jones has started to contribute earlier than Thorn.