Showing posts with label realestate. Show all posts
Showing posts with label realestate. Show all posts

Sunday, 28 August 2011

Cost Accounting For Dummies

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cost accounting for dummies

My Printer Ink Costs Were Killing Me

When the personal computer fad exploded all over the world I was contemplating retirement. I decided that I would leave all that new fangled internet stuff to the next generation. Little did I know at the time, what was in store for me on my path in this life. I did indeed retire and sell my business and moved from the east side of Florida, to the west side where both my children had settled . My son is into the writing and proofing of computerised tax programs and my daughter is an optomitrist, both of them totally engulfed in the computer age. So I figured my wife and I had done our part for the new age generation.




As the computer explosion mushroomed and the laptop arrived my daughter was on one like a mother hen on a brood of chicks. Some weeks later she came knocking at my door, presenting me with her desk top computer which she had no use for anymore. With severe reservations I rearanged some furniture and let her set it up. She went on line and we set up my account. She showed me how to turn it on and off then said, "There you are, have fun." For a long time it was a table decoration staring at me every time I passed it.




Here in Florida those rare all day overcast drizzles do show up occasionally and being an out-doors kind of guy, I get the heebie-jeebies on a long rainy day. When I got up that morning I could tell it was going to be one of those days and by ten o'clock I was pacing the floors trying to find something to do. I was getting on my wife's nerves and she suggested I turn on the computer. I approached it like one might a stray dog, having no idea what I was in for. I punched the button and waited. In those days where I live, dial up was my only choice. I remembered how to check my email account and found that I had 2038 emails, many of them from my daughter asking, "Are you there yet?" I figured out how to delete them and began exploring. It wasn't as bad as I had envisioned. The next trip in town I bought "Windows for Dummies."




I just realized, that was over nine years ago. Now I've launched eight web sites and I write, publish, and print a monthly twelve page newsletter for my Knights of Columbus council as my contribution to the council operation, it takes a lot of ink. I purchased an HP all-in-one printer at first but it took too long to print twenty-four hundred pages each month. I finally bit the bullet and bought a 2025 HP color lazer jet printer. It works beautifully and I was very happy with the results. Then it ran out of ink in one of the color cartridges. I looked up the HP website and found the cartridge I needed. Up to that point I hadn't given the cost of ink a thought. Boy, was I in for a surprise. The printer takes four cartridges @ $120 each. I saved a few bucks and got free shipping by buying the whole set at once but that didn't help my budget very much. At first you could only buy ink from HP but that eventually changed and I found lower prices on line.




It's funny how one thing in life leads to another, then on to another, and another. There seems to be so many tragedies around the world anymore, or maybe the news just travels faster. Any way I see all these struggling families who have lost everything and wished I could do something to help at least some of them. I did pretty well in the business world but not so well that I could make much of an impact financially, which is my goal, for the time I have left on this spaceship we call earth.




One evening after watching the news report on another catastophy, I was deleting emails and one was about making money at home on line. I decidet to try to build a site and donate the commissions I receive, to organizations who are on the front lines helping those families. Maybe I could indeed help. I read the free information and found that for $37 a month, they would provide the software tools for me to build an online shopping site. In deciding what to sell, I returned to printer ink of which I've now had some experience.




With time on my hands I have built two websites to raise funds to help families in need. They are affiliate sites. People around the world can help with this endeavor simply by purchasing the Ink supplies they need to facilitate their printing works, without impacting their finances. I will distribute the commissions I receive from those purchases, to organizations who help families who have come on hard times. The amount of help this site can generate is unlimited as individuals and businesses find it. I do not have a large budget to publicize this project, but as more and more sales are generated, I will advertise aggressively to get this snowball on the downhill. Any promotional help from any source will be greatly appreciated by those we help. Comments about this idea will be greatly appreciated by me.




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About the Author

* A way to make printer ink cartridges last longer. * Printer ink cartridges, Ink refill kit, toner cartriges and toner refill kits. * http://www.ink-4-printers.net * Robert Smith 25109 Malvern St. Brooksville FL 34601 * email http://www.artworks7q@aol.com * Ph 352-754-8509



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Friday, 22 July 2011

Hawaii For Dummies

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hawaii for dummies

Robert Kiyosaki Success

Hello World,

David Hawkins at your service. R. Kiyosaki has insight on how the system is ran and gives general information you should know. There's a lot of interesting things about Robert Kiyosaki. First of all I would like to say that Robert Kiyosaki is one of the greatest entrepreneurs around. Hawaii is where Robert was born and raised. He attened the U.S Merchant Marine Academy and graduated in 1969. Robert also served in the Marine during Vietnam. He has accomplished plenty that people can learn from.Robert inspires people all over the world with his books. Here are a couple names of his books, Cash flow Quadrant, Rich dad's guide to investing, Rich kid- Smart kid.This book is a prime example on what people are reading. Why we want you to be rich a great book by him and also billionaire Donald Trump. So as you can see Robert is a very powerful and popular man. You may think, how did the top earner's do it. You'll have to go inside the mind of a great leader and find your inner-self. One example should do; there is an amazing cartoon video on Robert's Blog.

This video illustrates what's going on in today's world. It tells how and why the economy is the way that it is. You need to check the video out A.S.A.P. If you need a little motivation Robert Kiyosaki is your man. His blog breaks down the reason why gold has sky rocketed and the value of the dollar is dropping. Mr. Kiyosaki tells about the banking system and why investing in real estate and business are the key to wealth.
Don't get scared cause your in for the time of your life. Do you ever wonder how the top earners do it.You can't possibly get all of their strategies. I have a Big surprise and you'll love it. I have a system that will show you the "how to". You heard me right. MLSP shows you the ''how to'' dominate on the Internet. So instead of chasing your family and friends everyone will chase you. You will become the haunted instead of the hunter. Individuals will hunt you down. The #1 thing missing is a driver that really wants to go somewhere. Your right, it takes you, a true leader.

You need to stand up and be accounted for. As long as you don't have a learning dissability, bring what value you have to the table. Don't wait on the dummies to make a move, you are the leader. Don't be one of those followers waiting on a miracle or the lottery. Odds of winning are very low, let me tell you. If you are low in money, our system gives guidence on the best way to do things. Thinking about doing this part-time; MLSP is for anyone that consider their self a entrepheneur.. Our system MYLEADSYSTEMPRO gives you guidance on all levels of the business. Some things that will help you. These are the top five reasons MYLEADSYSTEMPRO was created. Let's count down #5 List Building, #4 Affiliate Marketing, #3 Residual income, #2 Cash flow, and #1 YOU. List building is a must when you consider building relationships. Affiliate marketing puts cash in your pocket so that you are able to collect fat residual checks. Residual income coming throughout your income streams, which leads you to your ultimate goal. You will need a system in place that will create a solid cash flow. You want to be able to take care of your family and yourself now. Lastly of all and is the key which is you. It will take you to be the supreme leader. You bringing value and creativity to the table. You want to become the hunted instead of the hunter. People will chase you verses you chasing them. I've learned this great quote from one of my mentors "you have to give without want, before you can have".Strong and powerful words. These words need to be embedded into your brain.If you are willing to put forth the effort that is needed, you shall meet your goals. Check out this system that will give you guidance on whatever challenge you are trying to succeed in.

To your journey,

P.S You have to walk the walk, see you on the other side


About the Author

To hear more imformation like Robert Kiyosaki success from one of the online experts follow David L Hawkins for more valuable information.



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Tuesday, 22 March 2011

Home Buying For Dummies

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home buying for dummies
How do I cancel my real estate account without cancel my Yahoo account?

I just read from "home buying for dummies" that the condition of using Yahoo real estate account is rediculous. From my understanding, you essentially just have to buy from Prudential. Obviously I did not read the term of service carefully when I signed up. But from what I read in that book, it's like Prudential buys Ad space from Yahoo, and people who use the site to look up in their Ad will have to buy from them. I am not sure their terms (wishlist) is legal. Anyway, please help cancel my account with Yahoo real estate.

Dan Cai


I can only give you a partial answer as I am not that familiar with Yahoo "real estate" account. I HOPE you did not pay for anything upfront. If you did, that is HIGHLY suspect. I'm guessing you did not.

Now, trying to read between the lines, I'm guessing that you feel you are being forced to buy real estate through prudential. While I'm not a realtor, I would always recommend having a realtor represent me when purchasing or selling a home. In MOST TYPICAL situations the person SELLING the home pays both realtors (the one who is listing/selling and the one who brought the buyer). My GUESS is that, based on the agreement btwn Yahoo and Prudential, Prudential will be representing you the buyer. Keep in mind that you do not pay them. Now, you may say to yourself, if the person selling has to pay them, they'll just charge you more. While that may happen occasionally, that is the exception rather than the rule.

If you are serious about buying a home, go and interview several realtors to see who can help you. My recommendation would be to find someone local who has been a realtor for more than 2 weeks and someone who listens to you but also educates you on the process.

Best of luck,

Joe...


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Monday, 13 September 2010

Reverse Mortgages For Dummies

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Reverse Mortgage For Dummy - How Reverse Mortgage Affects Surviving Members of the Family

In order to provide financial assistance to senior citizens having to live on pension and whatever savings they may have stashed away, the US government had introduced reverse mortgage plans which would allow senior citizens to liquidate the value of their home equity and utilize this as an additional source of funds.  Since a reverse mortgage awards the funds based on the amount of the home equity, the senior citizen is not required to repay the reverse mortgage taken out unless the borrower sells the property and moves out of the home.  But what if the borrower dies and there is an existing reverse mortgage that has been taken out on the home?



Reverse mortgages have been offered in order to provide sufficient funding to senior citizens in order to live their remaining years in comfort.  How the death of the borrower who had taken out a reverse mortgage on the home would greatly depend on the surviving family he or she has left behind.  If the borrower is married and his or her spouse is still living, then the reverse mortgage would not need to still be repaid since the reverse mortgage has been structured in such a way that the spouse of the borrower becomes a co-borrower.  When the borrower passes away, the co-borrower becomes the principal borrower and the same terms and conditions with regards to the reverse mortgage that has been taken out.



The situation is different when both the borrower and the spouse pass away.  Since the ownership of the home will now have to be changed and transferred to the beneficiary or beneficiaries, the reverse mortgage taken out on the equity value of the home would need to be repaid.  The beneficiary would be notified of this and the schedule of payments that would need to be made.  The beneficiary would then be given a year to repay the reverse mortgage in full with the corresponding interest that the borrower had agreed upon.



This may lead many heirs and surviving relatives to become frustrated since instead of inheriting some funds or assets that may be able to help them now, especially with the country having to face a financial crisis they have inherited a debt that now needs to be paid.  However, when looked into the benefits that have been provided by the reverse mortgage to the senior citizen and his spouse, this would make the surviving members of the family understand why the mortgage was taken out in the first place.



In order to avoid having to leave your family behind with any outstanding debt brought about by the reverse mortgage that you are planning to take out, it would be a good idea to first consult the advice of a lawyer or financial advisor.  He or she would be able to give you suggestions on the necessary precautions that you would need to take in order the mortgage you have taken out would not be passed on to your surviving family at the time of your demise.



For more information on how you can protect your surviving family from inheriting the burden of repaying the reverse mortgage you have taken out, you can visit any of the following websites.  After all, nothing could be more frustrating on the part of your surviving family than having to inherit a number of outstanding debts while having to go through the painful process of grieving as a result of your passing:


About the Author

For more information on reverse mortgages and pitfall as well as tips and strategies in protecting yourself from reverse mortgage scams, do visit http://www.reverseloancontract.com, the premier online resources for reverse mortgage.



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Monday, 26 April 2010

Flipping Houses For Dummies

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How to buy my first home? HELP!?

I've been doing research on buying homes. I've never bought a home before. I have about $30,000 saved up to buy a house. I want to invest my money to buy a home, remodel it so I can sell for a higher price. I believe the term is I want to "flip" a house. I've been researching for the past few days. I'm really confused. I need "buying houses for dummies", lol. And yes, I know I have to wait at least six months before reselling. I'm very patient. I can wait years for the market to increase the selling price. I'm in no hurry to sell, but I AM in a hurry to buy. Any advice, web links, phone numbers or anything at all would be great. THANKS!


When I was looking for my first house to flip, I contacted renovation experts (they offer free remodeling price estimates) and one of them ended saving me a lot of money because turns out the remodeling that house needed was too much to make a profit on the house.

What you need to do is start looking at houses, write what you see on a piece of paper, and then contact contractors so you will know what you are getting yourself into. Here is the link I used: http://best-offers-online.com/estimates

Good luck!


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Tuesday, 24 November 2009

Buying A House For Dummies

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buying a house for dummies
increasing property taxes on home?

i bought a house in 05 for 125 thous, did a lot of remodeling and last may had it reappraised and it came in at 207 thous, good right, anyhow on my proposed tax bill from the county it claims the prop was valued at 35 thous in 05, and has gone to 55 thous a 43 percent increase in 3 yrs, my questions are
1. why does it show the prop only worth 55 thous and not at least the purchase price of 125? if i am smart, i think this is a good thing right that i am only paying taxes on this small amount...rather than the real value of the house

2. so it probably wouldnt be wise to protest the increase on my taxes seeing how it could be alot worse, right, like the 207 thous dollar appraisal?
yes this is my 1st home so i am WAY new to all this stuff with taxes etc. so please remember to use "taxes for dummies" language, no 13 letter real estate words...lol


You are correct.....sshhh! While it might be frustrating it went up so much, don't fuss too much or they may come and adjust it up again!


Buying RealEstate Tip - Questions For The Seller









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