Real Estate

Real Estate, An Investment

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Real estate is a popular investment for most people. However, before making any investment, it is important to first do your research and study what you plan to invest in. Possible sources for where to find investment properties include multiple listing services, trade information exchanges, real estate agents, bank real estate departments and public agencies, public auctions, and private sales. These assets are comparatively more expensive than other forms of investment, such as stocks and funds. There are rarely cases where an investor pays the full amount or price of the property in cash, so available financial terms or debt, such as home loans, are used to finance the investment, where the collateral is the property itself. There are three possible types of real estate, residential and commercial.

Properties considered residential are those that people could inhabit and live in, such as single-family homes, multi-family homes, duplexes, condominiums, townhomes, and apartment buildings. This also includes portable dwellings such as boats, mobile homes, and houseboats. It is quite reasonable for investors to choose this type of real estate since a house or a home is one of our basic needs. Surely everyone needs a suitable place to live and there is a great demand for more housing. Residential properties tend to have lower costs and price. There are many banks and lenders that can help provide financing for this type of real estate. From the point of view of these banks and financial services, in case the mortgages are not paid, they can easily get their money back as other investors are willing to buy the foreclosed property.

Residential properties also have their own disadvantages. Urbanizations need to be regularly managed and maintained. There are likely more repairs to be done, which means an additional cash outflow. If the property is used as a form of rental income and there are no tenants renting it, then there will be no income.

Whereas commercial properties are places where business and activities are carried out, such as office buildings, industrial complexes, shopping malls, stores and warehouses. Commercial real estate typically has a higher rate of return than residential property. There is constant income and stability in the investment since long-term leases are offered. Tenants generally repair damage and repairs on their own. Commercial property owners may have a steady income as property values ​​rise. While the disadvantages of commercial real estate include: loans that are difficult to obtain and require a large amount of money up front, commercial spaces are often difficult to lease and can sometimes remain vacant for long periods of time. .

To top it all off, commercial properties are generally valued based on the income calculation, while residential properties use comparable properties for a possible approximation.

The investor must understand that whether it is a residential or commercial property, there are always risks involved. Therefore, it is important to take the time to research the property and go the extra mile to become familiar with it. The area where the property is located must be thoroughly analyzed before making the investment. If there are particular complications, sometimes it may be better to consider another property to invest in.

Shopping Product Reviews

PS3 Game Backup: How to Backup, Copy and Burn Your Games on PS3

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Do you want to backup games on PS3? If you don’t know how to backup your PS3 games, then you should keep reading because I know exactly how to backup, copy and burn your PlayStation 3 games.

How to backup games on PS3?

The first thing you need to backup your PS3 games is a PlayStation 3 backup software called Easy Backup Wizard. You know, every game has a protection, right? Software like this will remove the protection so that you can backup, copy and burn your PS3 games without any problem.

How does copy software work?

You won’t have a hard time understanding copy software. If you want to make backup copies and copies of original games, you should have a burner and a couple of blank discs. Once you have that and this software, you only have to do 3 things.

1 – Enter the original game you want to backup, copy and burn to your PC’s drive.

2 – Once you have put it, you will have to load it and make an image (backup copy) of the game.

3 – Take out the original game disc and insert an empty disc. Then just burn the image or backup files and you’re done.

This is exactly how this works and how easy it is. By performing these 3 simple steps, you will be able to successfully backup, copy and burn any PS3 game you want.

How to start to backup games on PS3?

To get started immediately with copying and backing up a PS3 game, you need to get the Easy Backup Wizard software program. In this way, you will be able to remove the protection that all games have without any problem.

Sports

Is Network Marketing Really That Bad?

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What is the problem with network marketing and MLM?

Let me start by being very clear about something before I get into the hot topic.

There is no such thing as a “Network Marketing Company”. Network marketing or multi-level marketing is not an industry or business in and of itself.

Network marketing is really a distribution method used by many businesses in a variety of industries.

There are companies that offer services such as Web Hosting, Telecommunications, Nutritional Products, Drinks, etc… and use a method of network marketing or multilevel distribution to attract new customers.

Network marketing as a means of generating income has been endorsed by celebrities such as Donald Trump, Robert Kiyosaki, Robert Allen, Mark Victor Hanson, T Harv Ecker, James Ray, and more.

Still, some people would rather announce that they have a communicable disease than admit that they are involved in any type of mlm opportunity.

Network marketing (also known as multi-level marketing) is a marketing method used by many businesses to promote their products and/or services to the public.

Legitimate network marketing involves the actual sale of actual products and services to end users. To be clear, there is a profound difference between legitimate network marketing companies. This article is not intended to provide a comprehensive dissertation on the differences, but a solid test is simply asking, “Would you buy this product or service if there wasn’t some kind of ‘income opportunity’ attached to it?”

In other words, if you never made a cent selling the product or service itself, would you still be satisfied with the product or service you bought?

Fortunately, there are many companies where customers are able to answer this question with a resounding “yes.” And there are people who can also build significant income using this sales and distribution approach.

So why do so many people react negatively to network marketing and mlm?

Could it be the pyramid structure of the compensation plan? That wouldn’t make sense. It’s pretty hard to find a company these days that doesn’t use some sort of multi-tier (yes… multi-tier) compensation structure. Virtually every large sales organization in the world uses some form of multi-tiered pay plan. Sellers earn commissions on their own sales. Sales managers receive overrides and commissions paid from the sales generated by their sales team. Sales directors are paid on top of that. Then the VPs, upper level managers, CEO, etc. all get paid based on those same sales.

Look at the organization chart of just about any large company and you’ll see a “pyramid” type structure similar to that of the company. The United States government itself could be described as a pyramid-type structure when viewed as a whole.

Maybe people have a negative view of network marketing and mlm because they have to pay to participate. But that doesn’t make much sense either. Any standard franchise model requires franchisees to pay the franchise head office before they can start operating. And when you compare typical startup costs for a franchise and any mlm or network marketing plan, you’re talking a few hundred dollars compared to tens of thousands or even millions of dollars.

No doubt there are many illegal ponzi schemes operating in the name of network marketing or mlm, but that does not mean that all companies that use this approach are illegal. Companies like Amway, Melaleuca, PrePaid Legal have built strong businesses by selling their products and services to end users, many of whom are simply customers with no interest in the opportunity itself.

Personally, I am a client of several companies that take the network marketing or mlm approach. With some of them, I have referred some other clients and earn a commission. With some, I don’t refer anyone or earn anything, but I have been a long time customer because I really benefit from and/or enjoy the products or services offered.

When we look at it objectively, the problem with network marketing or mlm may be more of a perception problem than anything else. And if that is the case, we have to examine where the perception comes from.

When you look at mlm objectively, it’s really kind of an established “micro-franchise” where you can start your own business for a very low cost of entry. The potential to develop significantly higher levels of income is definitely there and there are people who achieve staggering, almost fairy tale levels of income.

Perhaps the problem with how network marketing or mlm is perceived is that it can often attract people who are not qualified or prepared to be business owners. These types of people tend to…

  • Overselling the “opportunity” instead of focusing on the quality of the product or service.
  • they lack tact when discussing your offer or opportunity.
    they seem to be desperate to “recruit” their friends and family.

  • neglecting basic business principles such as support and customer service.
  • they do not have your data together when presenting your service, products or opportunity.

As a result, these people tend to tarnish the overall reputation and credibility of those business owners who understand that network marketing success is based on knowledge and application of sound business principles and a level of professionalism.

Network marketing is, in my opinion, a great opportunity for motivated people to start their own business quickly and cheaply. The key is to recognize it for what it is: a business model that will require discipline, training, and focus.

The expectation that simply joining any opportunity is going to create wealth is ridiculous. Joining any company that offers a network marketing opportunity is just one step toward opening your own business. To be successful, you’ll need to learn about your product or service line, receive training on how to present your products and services, learn basic business and sales principles, and be prepared to work.

In essence, treat any network marketing opportunity you can join as a small business. Act like a business owner. So you can expect to be treated like a business owner.

Technology

The Elite Records that followed Rock’s first flawless album, Bob Dylan’s Highway 61 Revisited

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Fifty years ago, Bob Dylan released highway 61 revised, which is possibly the best album of all time. Some might argue for choosing one of the three Beatles albums, or even Dylan’s own. Blonde on blonde or Blood on the tracks.

However, one point that cannot be debated is that highway 61 revised It’s the first album that’s flawless in the sense that it doesn’t have bad songs. All records up to then, no matter how good they were, contained at least one clunker.

In the half century since its launch, highway 61 revised it’s joined a handful of other albums that are flawless. Here are the top ten, all perfect and from a wide range of the rock genre.

dory by david bowie

The album’s biggest single was “Changes,” but each song is a gem. There is a song in honor of Dylan, another praising Andy Warhol, one about a drag queen and another about Mickey Mouse.

Look by Manfred Mann’s Earth Band

There are only seven songs on the record, but each one ranks among the best of the band’s career. “Martha’s Madman” and “Circles” are my personal favorites, but arguments could be made for “The Mighty Quinn” and “Chicago Institute.”

my goal is true by Elvis Costello

The debut offered a magnificent glimpse of what fans could expect from the most inventive songwriter of the rock age. “Watching the Detectives” and “Allison” are the best-known songs, though both are inferior to “Miracle Man” and “The Angels Wanna Wear My Red Shoes.”

High ground, heavy rain by Aztec Camera

Roddy Frame was just a teenager when his band made this debut, which was highlighted by “Oblivious” and “The Boy Wonders” among the ten excellent submissions.

the real scam by Steely Dan

While side one is the best on the record, there’s a lot of pleasure in listening to it after turning it around. Basically, there’s no need to skip any of the “Kid Charlamagne” songs until the title track at the end.

they want my soul per spoon

Although barely a year old, this extraordinary album has already established itself as a classic. Brit Daniels’ songwriting has never been better, leaving the album devoid of any of the occasional glitches that have graced the alternative band’s previous records.

A place I’ve never traveled by Ambrosia

The quartet’s second album, unlike the rest of their discography, contains no hits. Overall, though, it has the best collection of songs, especially epics like “Danse with Me, George (Chopin’s Plea)” and “The Brunt.”

long distance travel by Moody Blues

Propelled to the top of the charts by the single “The Voice,” this record showcases the range of the veteran British rock band. Each of the five composers in the group offers crisp compositions here.

self titled by The Smiths

The Morrissey and Johnny Marr collaboration was first revealed on this debut, whose songs still play on air and influence alternative radio. There’s no sense of wonder as the record progresses from “Reel Around the Fountain” to “Suffer Little Children.”

self titled by john prine

Billed as the new Bob Dylan I’m 1970, the folk songwriter earned that nickname due to the impressive collection of songs on his first release. Many of the tunes, especially “Paradise (Muhlenberg County)” and “Sam Stone”, have been covered by dozens of bands.

Business

Accounts Receivable Factoring: A Viable Cash Flow Solution for Small and Medium Businesses

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The pace of change in today’s business environment is undeniably staggering. growth of electronic commerce; changes in business structures; evolving relationships; changes in financing agreements; access to capital and its sources. All occurring at increasingly exponential rates. Fast. The fact that there is more computing power in the average laptop today than it took to put a man on the moon should illustrate just how quickly things change, and whether in top management or the owner of a business needs to keep up.

In particular, you need to keep abreast of changes in your competitive environment and be fully aware of the mechanisms that will allow for a quick enough response to keep you in the game. This article will look at one such mechanism, access to capital, and through that, free cash flow. In doing so, we’ll use an intuitive framework, sprinkled with some economics. Because? Intuitive analysis is ideal for answering specific affairs; in this case, ‘What will best enable my company to manage rapidly changing competitive economic conditions and stay in the game?’ And I’ll use economics by Steven Levitt, America’s foremost under-40 economist, who along with Stephen Dubner believes that ‘if morality represents how we would like the world to work, then economics represents how it really works.’

By speaking of specific anchor points, strategic issues affecting the problem of access to capital can be explored and initiatives can be developed to enable a timely solution. In short, it is the fastest and most accurate way to answer the question you are facing, because it is easier to understand and you don’t get bogged down in superfluous and unnecessary analysis.

One of the anchor points in contemporary business is access to capital, especially when it helps keep cash flow free. In many ways they are the same, the difference being that access to capital is a necessary precursor to free cash flow (you can’t use it until you have it). And everyone needs it. Payroll, materials, overhead, and debtors who take 45-120 days to pay off their accounts, using your business as a substitute line of credit.

Access to capital becomes an even bigger issue in the business environment described above, where speed to market and the ability to “gear up” (increase production) are crucial to meeting ever-shrinking lead times. Many of us have experienced the euphoria of receiving a big tender, something that will fill the order book for the next six months, followed immediately by the hangover that comes from realizing that the company will have a hard time financing the project based on the prices. existing resources and cash flow forecast.

Small and medium-sized businesses face particular problems when it comes to cash flow and access to capital to finance growing operations, to the point where lack of access is a problem that can threaten the continuity of operations, even in a competitive market. on the rise Balance sheets take time to build, and it is against this security that banks will lend.

Developing initiatives to address this problem involves looking at some existing options and making a comparison, reaching the decision that best allows a solution to the problem in question. In this case, a comparison of bank financing with invoice factoring provides insight into possible solutions to the access to capital/cash flow problem.

Everyday economics can inform this comparison, particularly the study of incentives: how people get what they want or need, especially when other people want or need the same thing. Let’s start with the banks.

Bank loan requirements are invasive and restrictive. They often create the feeling that you have to ‘strip everything’ to borrow a penny. Naturally, they would dispute this statement, but back to the incentives: what is their incentive to lend you money? To get a return on your efforts. Certainly nothing less than this, and these days they also use loans as leverage to gain most of their wallet from their rivals, trying to have you as a customer for life, ‘growing with you and your business’. When you add the fact that there is a surplus of people who require credit in the market, they can afford to be picky and do the economically rational thing: be risk averse. Risk aversion drives the mortgage a bank places on your home to ensure they get paid, and it’s what drives them to lend against strong balance sheets. They examine balance sheets in an accounting manner, weighing tangible, realizable, and liquid assets like cash and real estate, apply a formula, and lend according to how the results compare to their risk matrix. Your continued success is in their interest only to the extent that it enables you to pay off (and ultimately pay off) your debt, generating a continuing margin on your investment.

An overly simplistic description, the aim is to illustrate that all of this takes time and is structured around strong regulatory and evaluation constraints. A lot of time and a lot of influential rules. First, for you to build your balance sheet, and second, for it to be evaluated to the point where your banker can open or expand your line of credit. During that time, the window of opportunity to finance that big project, expansion of manufacturing, or operations in a rising market quickly passes, leaving you out of pocket for the application fee and, if successful, to service some remaining debt. greater than you may not need.

When it comes to billing factors, the incentives may seem the same, but the way they see getting your return is slightly different. While banks rely on their acumen to accurately predict your ability to repay a debt, billing factors rely on your abilities to accurately assess the repayment ability of your customer base. Lower perceived risk aversion with billing factors plays little role, but it’s how the factor views the overall situation that is different from traditional lending. For starters, the factors recognize your accounts receivable as assets, just like the bank. The difference is that a billing factor views your accounts receivable as a rapidly realizable asset and is prepared to purchase the rights (and risks) to collect your outstanding invoices.

Put another way, in economic terms, the invoice factor recognizes your receivables as assets with future value in terms of cash flow, and as long as your assessment of your customers is favourable, they are prepared to “provide a market” cash for those assets. However, this ‘market’ is closed with their transaction by selling them the invoice; there is no secondary market like junk bonds or other derivatives.

Access to capital through factors is more expensive than traditional loans, and this is due to the risk premium attached not to you, but to your customer base. This is not surprising, and you and I would probably do the same. Going back to economics and our study of incentives, a rational person requires a premium for each additional unit of risk he takes. A higher incentive for higher perceived risk. In the case of factoring, the premium is higher than equivalent bank loan rates, as the risks are considered slightly higher when the collateral is not real estate, but a first position claim on all your receivables. . Your risk exposure is less than collecting the receivables yourself (billing factors are great in business): the higher fee the factor charges compared to the bank is simply the premium you have to pay to reduce that exposure.

The difference that the factors provide is the speed of access to capital and what happens when you default. If you don’t pay the bank loan, you could lose your business, even the family home. Factoring is not as drastic, although the sums of money involved are invariably smaller. There are two types of factoring products available, recourse and non-recourse, and again, the difference comes down to the assumption of risk and the premium requested to bear the risk of non-payment of an invoice. With recourse factoring, you remain responsible for your customer’s non-payment, and with non-recourse factoring, the factor bears the risk up to a certain point and at a higher premium.

In summary, there are advantages and disadvantages to both traditional loans and factoring. These are volatile economic times, and having been burned multiple times during the boom times of the previous two decades, banks are much more risk averse, keeping a tight rein on their credit standards. So, in light of this information, we return to our problem, seeking to answer the question: “Which of these approaches best offers the flexibility I need to allow myself the opportunity to thrive in a rapidly changing business environment?”

For many businesses, the answer lies in invoice factoring, which generates more than $1 trillion in credit across the continental United States. As with all business situations, there are caveats, or otherwise described, arrangements that, if not continually monitored, can become a comfortable security blanket that could actually be slowly suffocating you.

Continuous access to cash flow through factoring is easy to get used to. It’s also easy to take comfort in the knowledge that you’re backed by a massive publicly traded institution like your bank. Management and owners of small and medium-sized businesses must continually remind themselves that the study of incentives works for them too. Constant review of your cash flow and equity financing arrangements is essential to ensure that the deal you end up with is the best deal for your company and not for others. It’s about getting what you want or need, especially when other people want or need the same thing.

Home Kitchen

Easy DIY Storage Ideas for Crafts

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Have you ever wanted your craft room to look like all those amazing and beautiful ones you see every day on TV or in magazines? Trust me I have it too. I have so many crafting materials that they are slowly taking over the whole room, so I’m afraid they will take over my whole house soon if I don’t do something about it.

Each craft room is unique and is used for different activities, thus requiring different approaches. If you’re a sewer, for example, then your biggest problem is probably too many spools of thread, needles, scissors, sequins, and many more tools. If you are an art lover, you may have a collection of brushes, an unknown number of different shades of paints, sketchbooks, etc. which also needs to be stored. However, there is another option. You may be a lover of all crafts. If you love sewing, painting, knitting, and anything else you can think of, you definitely need some ideas to make your craft room look neater and more organized.

Most of the ideas that I am going to share with you are cheap and easy to take advantage of. Take a look at these ideas and choose the one that best suits your taste.

I had been struggling to find an easy and convenient way to organize and store my craft paints. Like every painter, I wanted to be able to make my choice easier when choosing a color, without having to search forever in a box or drawer. So I think I finally found my way!

I bought several PVC pipe fittings (you can also buy a long one that you will have to cut into smaller ones). You will be surprised how cheap they are! Think of a design and roll up your sleeves. Provide a glue, and then glue the pipes with a brush. When you assemble the pipes the way you want, you have the perfect storage for your craft paints. You can hang it on a wall or just put it on a desk or table. Wanting more color in my life, I painted the pipes and now I have a nice place for my supplies that I can easily access.

The best part is that you don’t need to clean this “construction”. Instead, you can buy new pipes and put together a new design! Isn’t that cool?

If you have hundreds or maybe thousands of sequins, you will definitely find the next storage idea very useful. Since I wanted to keep my sequins in a portable place and take it with me everywhere, I bought myself a jewelry box. Best of all, its sections are removable and it was also very easy for me to put the colored labels. There is also a rich variety of jars or plastic containers, which can be placed on a table or in a drawer. A very useful idea is to store them by color. You don’t want to waste your free time searching for that exact color, do you?

Cleaning a craft room is just as important as cleaning any other room in your house. First make sure you tidy up the place, put everything in its place. Then start with one cleaning procedure at a time. Dust surfaces first, then vacuum carpets or mop bare floors, wipe out drawers, etc. Spend 20 minutes every day cleaning. In a few simple steps, the craft room will be immaculate.

Digital Marketing

Zero downstream traffic plane: is it good?

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Introduction Zero Down Traffic Plane, a traffic generation system that is much more. This is a course that shows you how to go from nothing to a six figure income using the techniques that Oli Tee will show you. Who is Olive Tee?

He is a young online marketer who has done very well generating income online. He is now seen as a super affiliate, which means he probably makes over $1 million a year. What’s in the course?

Zero Down Traffic Blueprint is a step by step traffic building course. Six serious, content-packed videos that give you the chance to look over Oli’s shoulder as she teaches you her techniques. The same stuff that he himself has used to earn over $141,413 in just 90 days, without spending any money on advertising or traffic. Take advantage of core areas like RSS, blogs, social media, video marketing, and SEO rankings.

Designed for newbies and veterans alike, you don’t need to have a website or a list. In fact, no experience is necessary. Newbies can take the course and start making their first profit on the internet. Seasoned internet marketers can use the concepts of a successful super affiliate to boost their own business. With Zero Down Traffic Blueprint there are no limitations.

Are you ready to learn from a super affiliate who has helped individuals and businesses earn six figure income every month using Oli Tee’s strategies and techniques?

There is nothing to lose as you can receive a full cash refund up to 60 days after your purchase.