Bob Doruma Journal

Saturday, February 7, 2009

How To Make Money From Home While Pursuing A Full Time Career

Whether you're looking for a way to break into the work at home industry and someday tell your boss goodbye for good or just want to earn some extra cash, this article will show you how to do so while still holding down a career or job.You'll find suggestions for part time jobs from home perfect for those working full time.You'll also learn how to manage your time between the two jobs.

Working at home while pursuing a full time career can be stressful, but with these tips and suggestions you'll be well on your way to striking a balance between work and your personal life.

Time Management Tips for Working at Home Part Time


1.

Keep Focused on Your Full Time Job - During working hours it will be easy to think about your work at home job, especially if your plan is to eventually quit your day job and come home full time.As hard as it may be keep yourself focused on your regular job while you are working.Don't let your quality of work suffer.

2.Work Your at Home Job during Your Spare Time - Keep your at home job on somewhat of a schedule and work it after regular business hours and weekends.This will enable you to build a business without stressing yourself, which brings us to the next tip.Make certain that you take time out just for you to do things you enjoy other than working.

3.Don't Overwork Yourself Just to Make Money Faster - Running a freelance business on the side can wear you down if you don't make it a point to set limits for yourself.Take your time and don't push yourself too far or take on too many clients just to make money faster.It will catch up with you in the long run and both jobs will suffer as well as your health.

Perfect Part Time Job Opportunities for Those with a Full Time Career


1.

Typing at Home - There are various opportunities for part time typing jobs.From companies who need data entry personnel to podcast and website owners who need audios transcribed, the possibilities are abundant.Typing at home also pays well.Depending on what exactly you are doing you might get paid by the piece or by the hour.This makes it easy to schedule your work at home job during non-working hours.

2.Online Paid Surveys - These not only are fun, but they allow you to do work when you have time.From online surveys, mail in surveys, and even focus groups you can easily pick and choose the ones that fit your lifestyle, including the time you have available to work.

3.Freelance Writing - Freelance writing opportunities abound.There are always newspapers, magazines, and other print publications that are looking for columnists, editors, and more.Don't forget to check with online business owners as well.Content is a necessary part of running a successful online business and webmasters just don't have the time to keep up with the time it takes to create the amount of content they need.

Many online business owners regularly hire ghostwrites to write content ranging from advertising brochures and articles to eBooks and How-To Guides and everything in between.

4.Virtual Assistance - As a VA, you can do almost anything you have the skills to do.There are very successful virtual assistants who perform tasks for business owners online and off.Just a few of the services a VA can provide includes:


- Web design
- Transcription
- Ghostwriting
- Data entry
- Bookkeeping
- Accounting & Tax preparation
- Press services
- Audio and video creation
- and more.









..

While it won't happen overnight, it is possible to work a full time day job and pursue making money at home with part time work.Following the tips above will help to make it easier.Before you know it you'll have reached your goal of a more secure financial standing or creating the basis for a full time work at home business that will meet or even exceed your current income.


About the Author

Chris Simpson is dedicated to helping people find honest and legitimate home based work to include home business ideas.

Find legitimate work at home jobs and other great opportunities to make money from home today at: HomeNetPro.com


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Friday, February 6, 2009

What Do I Need To Know Before Choosing A Courier Delivery Company?

There are a lot of reasons to choose a local courier delivery company over one of the larger chain or international options.You might know from experience how they treat their customers and the freight that they transport, it may have to do with pricing or it may be a matter of timing.If you don't have personal experience with a courier, there are some very important things you should know before deciding which one to ship your items with.

Reputation


Most courier delivery companies survive on this part of the equation.

Unparalleled customer service, faithfully on time deliveries and the utmost care with handling the materials that you ship is what stands many courier services apart from and above the larger nationally recognized shipping services.

Before choosing a courier, you'll want to know their percentage of on time deliveries and their percentage of parcels that get damaged during the shipping process.If the percentage of on time deliveries isn't extremely close to one hundred and the damaged parcels isn't extremely close to zero then you might want to consider another option.

Cost of Services


The cost of the same shipment from one courier delivery company to the next can vary quite a bit, some of the change in cost has to do with extra services that one courier will provide over the other and some is just one company charging too much for their service, before you make a decision you need to know the difference.

What exactly is included from each courier delivery company?

As with most products you buy and services you use, blindly picking based upon the cheapest price alone isn't always your best option, but you don't want to overpay for similar service if you don't have to.Choosing the best value for the best service will often get your parcel where it needs to be in one piece and on time, while saving you a bit of money over the major national companies, but it's not worth trying to save the money if you're putting your shipment at risk.

Insurance


With the major national delivery chains, you insure your parcel for what it's worth and if it gets lost or destroyed you can file a claim to get that money back.

You want this same type of guarantee from a courier delivery company.Even the best of companies will have an accident or unfortunate incident occur at times, if your parcel happens to be one of those accidents or unfortunate incidents then you want to make sure that you're covered.

All of the national chains do enough business and have deep enough pockets to afford even paying for the most costly lost or damaged parcel with no problem, some small, local, fly-by-night company may be struggling to make ends meet and could have skipped paying their liability this month to be able to keep their doors open - if there is any question as to whether or not some type of insurance will be covering your parcel - do not use that service, plain and simple.

There are a few other considerations that may come into play, for instance some courier services may work and make deliveries at all hours of the day or even on holidays if necessary, provided that you are willing to pay additional for that service.If you need unusual things transported, a courier delivery service may be your only option.Regardless of what you're shipping and where you're shipping it to you want to be sure to use a reliable service with a good reputation to ensure that the package that you are shipping actually makes it to it's destination in the same condition that it left your hands.


About the Author

Trusted Toronto courier company offers a range of shipping services to meet your needs.

From overnight shipping, freight delivery, or shipping internationally, we get it there on time.

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Thursday, February 5, 2009

Installing a Garage Door

With the ever increasing amount of home improvement stores cropping up every few miles and the do-it-yourself television shows that seem to be taking over many of the cable television stations more and more home owners have the desire to take on some projects that they may have been leery of trying without a profession before.

One of these projects that used to seem out of reach and intimidating to the handy homeowner is replacing a garage door.Even in the much more user friendly garage door kits of today there are tons of pieces and parts that can make a construction novice a bit nervous, but in most cases a homeowner who's good with his or her hands will be able to do a very nice job on the project and probably not spend nearly as much time as they would have thought considering the magnitude of parts that are contained in the box.

Here are a few tips that may help the seemingly large and difficult undertaking a bit simpler for the do-it-yourselfer.

Read (and understand) the Instructions


The problem many do-it-yourselfers face when they begin to take on larger home improvement projects is that they get too deep into the project too fast.

Don't get ahead of yourself on a project of this size, read the entire manufacturers instruction book before you begin, and if there are parts of it that you don't quite understand - read it again until you can make sense out of it.Preparation is one of the biggest keys to success when you start trying larger home improvement projects.

Use Caution


The springs that open and close your garage door are extremely powerful.

This is by far the most dangerous aspect of the entire project.If you have an old door that needs to be removed, when you are removing the old spring mechanism and when you are installing your new doors spring mechanism, it may be advisable to enlist the help of someone with experience.At times the springs will be under an immense amount of tension and one false move could lead to a very serious injury.Even with professional assistance it's wise to exercise extreme caution when dealing with the spring mechanism.

Make sure your Frame is in Good Condition


Once your old door is out of the way, carefully inspect the frame before beginning the installation of the new unit.

It there is termite damage, if the wood is rotted from the elements or if you've done some extensive damage to the frame during the removal of the old door you may need to replace the damaged wood.Attaching your new garage door to a damaged frame will most certainly lead to problems in the very near future, if not right away.

Putting it all Together


Attach the track and position the panels exactly according to the manufacturer's instructions.

Each garage door manufacturer is different so there will likely be at least minor differences in how the door is assembled and installed.By following the manufacturers instructions to the letter you give yourself the best possible chance of you door working perfectly upon finishing the project.

Installing a new garage door could very well seem like an overwhelming undertaking, but by understanding and closely following the manufacturer's instructions, properly inspecting your frame and making necessary repairs and taking the time to be safe you help to ensure that you'll complete the project as quickly and with as few problems as possible.You can complete this project, that just a few years ago you probably never would have imagined yourself doing, over the course of a single weekend with very little help and in the process quite possible save yourself a good bit of money all while have the satisfaction of having completed a job well done.


About the Author

Offers a wide selection of metal buildings kits and pre-fabricated buildings such as metal carports, storage shed, steel garage buildings and more.

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How to Form a California LLC

If you're ready to form an LLC in California, the best course of action is to hire a professional who specializes in the formation of Limited Liability Companies and corporations.If you make rookie mistakes, it could have a huge impact on your business.You'll also want to take some steps to develop a plan for establishing business credit.

The first course of action is to complete the necessary paperwork to form your company.There are 7 steps to this process:


1.

Choose a company name.You'll need to research the availability of your chosen name.If another company has the name you've chosen, you'll have to modify your choice to create a separate identity.You'll also have to include the words, 'Limited Liability Company' or the abbreviation 'LLC' in your name.

2.File the necessary paperwork with California's Secretary of State Office.Complete the 'Articles of Organization' and submit them.

3.Pay the required fees.Submit the correct fee with your paperwork.Make sure you contact the California Franchise Tax Board and you understand when the $800 franchise tax fee is due and for what entities.

4.Pay the State Taxes.Each entity in California has different tax rates.The LLC taxed as a partnership has the franchise tax fee of $800 per year and a world-wide gross receipts tax which is a table based upon gross revenue.The S corporation is taxed at 1.5% of net profits and the C Corporation at 8.84% of net profits.As you can imagine, selecting the best entity for your business will help you save taxes at both the federal and state level!

5.Create an 'Operating Agreement.' All LLCs must have an agreed upon Operating Agreement.Conduct an organizational meeting to adopt your agreement.Keep in mind the operating agreement will be different based upon how many members and how the LLC is taxed.You have six options: a single member LLC disregarded, and taxed as an S or C corporation.A multimember LLC taxed as a partnership, and taxed as an S or C corporation.

6.Apply for an Employer Identification Number (EIN).You can apply online at the Internal Revenue Service's website.Make sure you know what you are doing because the IRS will ask very important questions about the EIN number for the new entity and you may answer a few questions that may come back to haunt you a few years down the road, especially when applying for an EIN for an LLC because there are multiple ways it may be taxed.Keep in mind the IRS's federal default rules are as follows: If you have one member if the LLC it will be disregarded for tax purposes.If you have two members it will be taxed as a partnership for tax purposes.In either case you must make the proper selections and elections to have the LLC taxed as an S or C corporation.

7.Open a company bank account.Once you have your EIN, you can open a corporate bank account.If you had a DBA (doing business as) name prior to your new entity and you want to continue that name, make sure you 're-link' the DBA to the new entity not you.Once you have a bank account set up, you should consider applying for a business credit card in the name of the LLC or corporation to help separate your business charges from your personal credit charges to protect your personal revolving debt rations that affect your personal credit score.

8.Obtain the necessary county or state business license.Once you've completed this step, you're officially in business!It is recommended, especially in California to touch base with a local CPA for other requirements when it comes to payroll, hiring outside employees and other state or local tax requirements.

Forming a Limited Liability Company in California isn't difficult but to prevent mistakes that could hurt your business, hire a business consultant who will make the process as seamless as possible and show you how to plan for a successful, lucrative venture.


About the Author

Scott Letourneau is the CEO of Fast Business Credit, Inc.

and has a valuable free guide to help small business owners get access to capital plus a new program to help business owners understand the importance of credit!Go to our Business Credit Program page for powerful details!

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Tuesday, February 3, 2009

The History of the Forex Markets, Sometimes Called the Currency Markets

Traders centuries ago often exchanged goods and services with other countries that utilized a different currency than there own, because of this a form of a currency exchange program has been in existence for an extremely long time.After all, what good does it do to come home with a form of money that nobody will accept?We will discuss the evolution of trading currencies from its root to the present time.In addition, trading in gold will be mention as well as the Bretton Woods Agreement.
Gold Exchange and its Interaction with the Bretton Woods Accord:


In 1967 an individual attempted to short the British Pound by taking out a loan from a United States bank.

Instead of in taking out the loan in US dollars he attempted to have it done in British Pound Sterling.The bank did not make the loan due to the wording of the accord called Bretton Woods.

The purpose of the pact was to help stop gambling that a currency would increase or decrease in value.Previous to this, currencies were backed up by a national governments holding of gold as a reserve.This practice provided confidence to the public, since they knew they could exchange there money for gold at any time.

But, it was a very inefficient economically maintaining such large amounts of assets not producing any economic benefit for society.In addition, it limited federal government's ability to expand the money supply and provide an economic stimulus to the country.

This governmental policy had server consequences on a nation's economy causing it to have wild swings between prosperity and recession.This would happen when countries gold reserves would decrease as it imported products that needed to be paid for with gold.Since the currency of a country was backed by the gold it held, as the gold reserves decreased so did the supply of money in the economy.This would have a negative effect on the prices of other commodities such as; corn, oil and sugar.

As these prices dropped other countries would then start buying them in massive amounts which were paid for in gold.Thus the gold reserves would increase and the money supply would follow.The effect on interest rates would be to decrease them and the economy would come out of the depressed period and start performing better.This pattern was continually repeated until World War One began and the trade between decreased due to logistical problems.

Due to the economic might of the United States after World War Two the US dollar increased in value verse the currencies of the European nations.Countries where not permitted to devalue there currencies over ten percent in an attempt to improve there economies through exports.Obviously, many nations have not adhered to this agreement; one only needs to look at China as an example of extreme currency manipulation in an effort to improve exports to the determent of there trading partners.

The Bretton Woods Accord was initiated after World War Two in an attempt to provide order and standardize the international currency markets.The principle reason for this was to maintain the value of a particular currency with in a narrow range, thus bringing a since of balance to the market as the countries could then exchange goods and have advanced knowledge of what value they would receive in return for there goods or services.

In 1971 the United States announced that a US dollar could no longer be exchanged for gold.This process freed up the worlds currency and permitted them to float on a free market and have there value determined by what investors where willing to pay for them.

The amount of funds being traded daily has increased significantly over the decades.From the billions in the 80's to the trillions today.The volume, speed and volatility of the markets has also increased rapidly with improved technology and the popularity of the internet.

The EURO Dollar Market Takes Off Like A Rocket:


This explosion was initially started by the Russians selling oil to the rest of the world and receiving US currency in exchange for there oil.

Since Russia was afraid of a potential conflict with the United States they started depositing there US dollars in banks outside of the control of the US government.When this happened huge amounts of US dollars where now in banks outside of the US.

Because of this the US government enacted laws restricting lending to non US citizens.Then a strange thing happened, US based companies realized there were sizeable amounts of US dollars outside of the US that they could borrow at very favorable rates, in fact they were much more competitive than the interest rates they were presently able to get from a US bank.

In the 1980's British banks began lending US dollars and because of this they have remained the number one market for US dollars outside of the US.In addition, because of there liberal laws and geographical location many countries around the world utilize London as a principle source of financing and Forex exchange.


About the Author

We have researched, tested and reviewed 100's of Forex Training Courses, Software Systems and Brokerage Firms.

We kept the best and eliminated the rest for you to examine at TOP RATED FOREX PRODUCT REVIEWS.

For the internets MOST comprehensive FREE Forex learning tools, which included 100's of FREE training articles and FREE tutorials check out FREE FOREX TRAINING.Good luck on the trading floor today!William R.Alheim, Jr., CPA, MA


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Monday, February 2, 2009

Learn Forex Trading & A Short Compilation of Answers to Emailed Questions on the Subject

I have been receiving quite a few emails recently asking questions regarding the best way to learn Forex trading and beginning to successfully invest in the markets.I have been answering them individually and this is a short compilation of the answers for all to read.

First, if you are going to buy a piece of Forex software and are under the impression it is a means to an end without a comprehensive understanding of the basic concepts to the advanced trading techniques then you are just fooling yourself.Why don't you just send me your investment capital to me, at least one of will be happy.Because you're not going to be.

Second, after you have a complete understanding of the Forex markets is the time to start acquiring your Forex trading systems.I say systems, because there is not one product on the market today that provides all the functions you will require.Or, at least I require.I use three different types in conjunction.A signal based system, a trend based system and a formula based system.

Third, if you just want to try to make money to see if you can and then you will invest later if you make money, then try this course.The name of the currency course is Forex Made E-Z and it is very simple to understand and employ its methods.I use the techniques taught in this class everyday and it turns nice consistent profits with very little risk.You don't have to know anything about Forex.Just follow every thing he say's to the letter and don't get greedy and the end of the month the little profits you make each day will add up to a very nice return.

Fourth, if you want a great Forex program to obtaining an exceptional education on the subject and also want to have the course to pay for itself then try Forex Brotherhood.I have been a member here since it began and trade the professional Forex trader, his name is Jason by the way, portfolio everyday.This is a mentoring program when you get to one on one training.I feel my knowledge is to the point now I really don't need much more training.But, I stay a member because I make $10,000's each month just making the same trades as he does each day.You are allowed to follow his every move in real time and make the same trades as he does in real time.You can even ask him why he makes every trade, which is a great learning tool.How much easier does it get?Not much.

There are two Forex programs that you don't have to know anything about Forex and depending on your investment you put real nice profits in your pocket.Two more you can look at are Fap Winner and Straight Forex.

As for Forex software you are just going to lose your money using them until you know what you're doing.I know, because I lost $1,000's until I found Forex Made E-Z and started enrolling in every currency mentoring program I could find.If somebody is really serious about this and takes a mentoring class and gets the knowledge required to take advantage of the software I will tell what I use, which I think are the best products on the market.
Good luck, it is not that hard.And to all you non believers and skeptics I will give you something to think about.I will love to see you answers to this.

Guess what, a currency can only go in one of two directions.It can go up or down.That means if you throw darts at a board blind folded you would be correct 50% of the time.So, if you did not use margins, you would break even if you know NOTHING about the markets.So really, how hard can it be?All you really need to know is how to control your use of margins and make them work for you as opposed to against you.Then let's say you learn a little and are able to take your winning percentage from 50% to 60% or 65% you know what that buys you?Any thing you want is the answer!

Remember, you are guaranteed to be correct 50% of the time; you can NEVER do worse than this.NEVER, it is IMPOSSIBLE!

Therefore the two keys to making big money in the markets are only two small factors.The most important, understanding how to use of margins, leverage trading, forwards and options.The next is just improving you winning percentage a small fraction, which is where the software comes into play.

Now, let somebody dispute that!Impossible, you can't, the numbers don't lie.


About the Author

We have researched, tested and reviewed 100's of Forex Training Courses, Software Systems and Brokerage Firms.

We kept the best and eliminated the rest for you to examine at TOP RATED FOREX PRODUCT REVIEWS.

For the internets MOST comprehensive FREE Forex learning tools, which included 100's of FREE training articles and FREE tutorials check out FREE FOREX TRAINING.

Relaited Links:

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