Work From Home And Make Money With Your Own Online Business

Start Your Own Online Business- Top Reasons Why You Should






It isn't easy to start an online business. Some people may lie to you and say it is the easiest thing they have ever done, but they are being at best unrealistic. Running an online business is as the name implies, "a business that is online". So there are certain rules you must follow in order to earn cash online (and do it the right way).

Even though there are challenges to running a business online there are benefits to it as well. In my view it is better to start a business online. Below I have listed some of the top reasons I believe this to be true.

The Traditional Way To Get Cash Is Becoming Outdated






There are a lot of people who have great ideas, but can never seem to the get them off of the ground. Many times this is due to lack of resources or the ability to properly fund their business. With the traditional business model there is normally a substantial investment. An internet business does not require this major investment (though there could be a small one).

Using the example of a brick and mortar store an owner must invest in their business only to have their money at times locked in the business itself for years. Many times it takes years for the store owner to recuperate their entire investment. With an online business model you would have less overhead and other means to store your inventory (such as drop shipping or as an affiliate). This means that inventory is not a requirement allowing you to ship product upon demand versus investing in the goods upfront.

Each Industry Dictates It's Threshold To Make Money






Certain industries require you to invest money to make money. Depending upon the industry itself starting small may be out of the question. The reason? In order to compete you must be competitive. To be competitive in the traditional sense may require a significant investment of funds from the beginning. This is not even mentioning physical location(s), staff and security issues.

However, a home based business that exists on the internet can grow as you grow. We all want to grow. With a smaller investment you can leverage your advantage for greater profits. If staff is required, the positions are minimal and physical security becomes one less thing for you to worry about (especially if you are an affiliate or you don't house your products in-house).

The Internet Is Becoming The Standard For Communicating A Business






The day is coming where if you're not online you don't exist. Even traditional brick and mortar organizations are now vying for a presence on the web.

The level of innovation new technologies are providing the entrepreneur online are endless. You are limited by your imagination and ambition.

With the internet you can make as much or as little as you want. This is determined by your willingness and effort to take your business to the next level. Will you press forward the wheel of innovation a success and become the next internet millionaire (or billionaire)? Or maybe you're not as ambitious and are only looking to take care of your needs (and maybe your families too)? An online business can provide you with this ability.

How To Become A Qualified Electrician

In many countries, there are strict qualifications you need before you can conduct any electrical work. In order to secure an apprenticeship you will want to complete some training to ensure you can give clients with a safe and effective service that they can trust.

As an electrician you will be required to install and test electrical wiring and equipment. You will also be asked to keep up these electrical items, along with appliances and fixtures in both commercial and residential properties. As you gain knowledge and become more experienced you will need to assess plans and wiring layouts in homes and offices.

An electrician is also responsible for fitting circuit breakers and fuse boxes, while installing and testing wiring and laying cables plus so much more. As you can imagine, this being one of the most highly paid and in demand trades, you will need to meet the very strict qualifications requirements to give any of the above services at any time during your career.

There are many courses and workshops that you will want to complete. You can view these online and find which one to start with. You can start with a basic introductory course and then complete your NVQ level two and three, which is industry recognised, so you can start completing this electrical work on your own without the help or supervision of an experienced electrician.

The majority of the training you will receive will be work based. Most electricians secure an apprenticeship to start. This gives them the practical knowledge while they study and gain their qualification. The benefit to an apprenticeship is that you gain hands on knowledge, so you are able to get a good understanding of the job and the work involved, along with insider knowledge on wiring, appliances and other electrical requirements that you may be asked to complete from time to time.

Once you have qualified, it is advisable to get accredited with one of the recognised electrical bodies. In the event you choose to go on your own and open your own company, this can be a beneficial choice. Potential clients can rely on these bodies to gain insight into your company, enabling them to use your services with complete peace of mind.

It is very important when you want to know how to become a qualified electrician that you choose a training company that can give you the courses and workshops you need throughout your career, so you can constantly advance in your career with the most up to date knowledge and skills at all times.

Ideally try to choose a course that provides in-class study and not online. You may think online is more practical in the long run, but with in-class training you gain valuable insider information from qualified professionals, which can help you understand what is expected of you and what to do when working in the field.

Choose a few training companies. This way you can compare them against each other to find the one you feel is the right match for you. If you can find a good company now to train with and they offer a range of electrical courses, then you will be able to use them time and time again in the future without having to research and compare training specialists moving forward.

Everything You Need To Know About Driving Lessons

Are you planning to purchase a car now? Well, then you must learn how to drive before your very own car starts its journey on the streets. You must have always dreamt about owning your own car. So, it would be really sad if you have to let anyone else to drive your dream car on the very first day. You must take driving lessons before your new car reaches your home. This will also spare you the horror of searching for a good driver who will handle your car with proper care. These days it is very difficult to find trustworthy chauffeur on whom you can rely on with your convertible. Hence, it would be better if you are behind the steering when your car hits on the streets.

It is not at all difficult to learn driving and pass the test. All you need to do is join a good driving school where you will learn the basics of driving. The duration to finish a driving course totally depends on you and your ability to learn. Apart from this, the driving instructor also plays a very important role. You will have to choose the kind of driving lesson you want. It can be an extensive driving program lasting several weeks or can be a short and intensive course of driving.

You can even hire a private instruction for the lessons. But make sure that the driving instructor is well experienced and has a good reputation in this field. Your instructor will boost up your confidence and help you prepare for the driving test, hazard perception so that you will be ready to take charge behind the wheels. Driving lessons will not be complete in real sense unless you pass your driving test. As there are numerous types of driving schools today, you must also choose the appropriate school and driving course.

There are even some online driving schools too, from where you can learn driving just by sitting at your home. In this case, the certificates are mailed once your course is over. It becomes difficult to choose from so many courses of driving sometimes. So firstly, you need to gather a bit of information about all the courses. If you want driving license urgently, the intensive driving lesson is just perfect for you. You will not have to undergo a long training program and will be taught everything regarding driving within a shorter span of time. So, before purchasing your own cars make sure you have been to a driving school.

6 Keys To Personal Success

(1) KEEP MONEY IN ITS PLACE: -

The love of money is a root of all innocent things, and by reaching out for this love some have stabbed themselves all over with many pains said the bible. Money itself is useful in many ways we need it to do and achieve many things, so the issue is not money itself but the love of money, the love of money makes one a slave to money and money in turn become one's master, people who avidly chase after riches as a key to success as the key to success are, in fact pursuing a mirage, including inviting disappointment they invite pains. For example, while ardently pursuing wealth, people oftaint sacrifice relationships with families and friends. Others forgo needed sleep if not because of work, then because of anxiety or worry. The sleep of a laboring man is sweet, whether he eats little or much, but the abundance of the rich will not allow him to sleep, "says Ecclesiastes 5:12.

Money is not just cruel master but a deceitful one as well. Jesus Christ spoke of the deceptive power of riches. In other words, riches promise happiness, but they do not deliver it. They just create a craving for more. The man who loves money can never have enough.

The love of money is self-defeating and extremely leads to disappointments, frustrations, or even crime. More closely linked to happiness and success are generosity, a forgiving attitude, moral cleanliness, love, and spirituality.

(2) CULTIVATE A GENEROUS DISPOSITION:

There is more happiness in giving than there is in receiving because you will always have some measure of happiness that you have helped you fellow human being, and the person you help will always remember you in prayer to God and will always pray for good things to come you and it will always come to you. While occasional giving can produce moment of happiness, a generous disposition can engender a state of happiness, of course generosity can be expressed in many ways, and often the most appreciated, is giving of oneself.

After reviewing several studies on altruism, happiness, and health, I concluded that being altruistic and extending help to others are associated with greater longevity, an improved sense of well being and better physical and mental health, including a reduction in depression.

Moreover those, who give generosity according to their means, do not suffer loss because of it. A generous man will prosper; he who is renews others will himself be refreshed said the scriptures.
Those who give generously according to their means do not suffer loss because of it. A generous man will prosper because he refreshes others, so he will always live prosperity; because he who refreshes others will himself be refreshed, that is the golden rule of generosity. In harmony with those words, people who are truly generous at heart-who do not give with a view to repayment- are appreciated and loved, especially God.

(3) Forgive

'' continue ... forgiving one another freely if anyone has a cause for complaint
against another. Even as Jehovah freely forgave you, so do you also forgive others as the creator forgive you? Nowadays, forgiveness is often thrust aside; people prefer getting even over showing mercy. The result? Insult trigger insult, and violence. The harm may not stop there. "In a study of more than 4,600 18- to 30-years old," says a report in the Gazette of Montreal, Canada, researchers "found that the more hostile, frustrated and mean-spirited the personality" was, the more unhealthy the person 'lungs were. In fact, some of the harmful effects were even greater than those for current smoker! Indeed, a forgiving attitude is not just a good social lubricant but also good medicine! How can you become more forgiving? Start by talking an honest look at yourself. Do you not upset others at times? And do you not appreciate their forgiveness'? So why not be generous in extending mercy to others? In this regards it is also important to develop self control. "Count to ten or in some other way give yourself time to cool off. 16:32 better than a mighty man that suggest success.

(4) Comply With God's Standards

The commandment of Jehovah is clean, making the eye shine. To making the eyes shine. To put it simply, God's standards are good for us-physically, mentally, and emotionally. Among other things, they shield us from such harmful practices as drug abuse, drunkness, sexual misconduct, and viewing pornography. The resulting harm from these may come in the form of crime, poverty, mistrust, family breakdown, mental and emotional problems, disease, and even untimely death. On the positive side, those who comply with God's standards foster wholesome secure relationships as well as self-respect and inner peace. At Isaiah 48:17, 18, God says that he is "The one teaching you to tread in the way in which you should walk." And he adds: "O if only you would actually pay attention to my commands! Then your peace would become just like a river, and your peace would become just like a river, and your righteousness like the waves of the sea." Yes, our creator wants the very best for us. He wants us to tread in the way "of real success. Take the example of a man named Stephen who happened to be a neighbor of one Mr. Friday, It all happened when Mr. Friday wife was allegedly sick and was diagnosed of cancer, Mr. Friday had no means of taking his wife to the hospital and needed to take his wife to the hospital because of the condition of the illness and he went to Mr. Stephen for help after explaining all he was going through, without much hesitation Mr Stephen rushed to Mr. Friday's house and the both of them took the woman to the hospital and this woman was in a state of jeopardy but because of the help of Mr. Stephen and offsetting of the bills was what what Mr. Stephen did, at the long run the life of Mr. Friday's wife was saved. Mr. Friday and his wife ever lived to appreciate the help and kindness Mr. Stephen showed to a family, so that after some years even when Mr. Stephen had no money, no job and every thing for him became up side down, and God had raised Mr. Friday.

(5) Show Unselfish Love

Love builds up can you imagine a life without love? What a hollow, unhappy existence that would be! "If I ... do not have love {for others}, I am nothing ... I am not profited at all," wrote the Christian apostle Paul under divine inspiration, the form of love here is not the sexual kind, which , of course, has its place. Rather, it is a richer more lasting love governed by godly principles. Such love helps us to be successful in our relationship with others especially in our relationship with family members. Couples should rejoice with each other in the bible truth, couples should be determined to resolve their marital problems in the spirit of love.

(6) Be Conscious of your Spiritual Need:

Happy are those conscious of their spiritual need. 5: 3) Unlike animals, humans have the capacity to appreciate spiritual things. Here, we ask such questions as, what is the purpose of life? Is there a creator? What happens to us when we die? What does the future hold? clearly, our creator wants more for us than temporary success for a mere 70 or 80 years. He wants us to be successful forever! So now is the time for to learn about your creator. Jesus said: "This means everlasting life the taking in knowledge of you, the only true God, and of the one whom you sent forth Jesus Christ." (John 17: 3) (John 17: 3) "As you gain that knowledge and apply it in your life, you will discover for yourself that the blessing of Jehovah ....... is what makes rich, and he adds no pain with it, so just apply the principles you just read and you will be on your way to success.

How To Organize Your Genealogy

People are often interested in preserving their family history and might want to know where their roots are. Usually, you'll want to have a record for your grandchildren or just to keep track of the people who show up at family events. Most times there are a few people who you do not actually know and it would be nice to get a better understanding of where you're from.

Building your very own genealogy takes time and effort. It's best to have a plan if you intend to start your own family tree. The tree will contain all the names in your family listed and paths every connection.

You should think about your family tree like a regular tree. Trees have roots, a trunk and branches. The trunk is the only part of the tree that's a whole, and you should use this part on the central figure you're building the genealogy for.

This is the actual first step in the process of organizing your genealogy. After you select a central figure, you should work your way up and down from this person, to the "roots" and the "branches".

First, you should add the names of the parents on top. The central figure name should be located at the very center of the chart, just to make sure you have enough room for everything.

After you label the parents name, move down and add the names of the children. If the children are still young, leave some room for the children's spouses. There is a lot of "ifs" to take into account when organizing your genealogy. For example, if the children have had previous marriages that have produced offspring, you should make room for them as well.

Once you're done doing this, bringing out some lines from the parents which lead to the names of the central person's brothers and sisters, if that's the case.

You might want to track the lines of the siblings, but this is not necessary for the central person you're doing the tree for. If you do include the siblings, keep a space open for their spouses as well.

Once all the immediate family is in place, you can start moving up and down to extend the chart. You should start going ahead before you start the descent on the chart. Old information is hard to come across since there are just a few people who remember these facts, and some might be too old to even carry this information anymore.

A good genealogy chart is considered the one that includes people and relationships that other family members never knew existed. If you manage to get up to three or more generations before your grandsparents your chart will be filled with numerous last names which you can try to extend downwards and see if you can find any additional relatives you did not know you have.

As you descend down the chart, you will eventually reach the present moment and will have to stop. Additional marriages and new kids being born will eventually enlarge the chart. You should continue gathering this information and get new contacts. As you find distant relatives try to extend the chart upward a few generations by checking what each of these people remember about their ancestry.

Divorce Bank Account Blues - What Happens to Your Mortgage Debt During a Divorce

Debt, Credit, and Bankruptcy

We have referred to property as either marine or separate. The same classifications apply to debt. In general, both you and your spouse are liable for any debts incurred during the marriage - it does not matter who really spent the money. When the property is divided up during the divorce, the person who receives the asset usually also obtains the responsibility for any loans against it.

It's in both of your best interests to pay off as many debts as possible before or at the time of the final decision. To do so, use whatever liquid assets you have - bank accounts, money market funds, stocks, bonds, or cash values ​​from life insurance. It may make sense to sell assets to accumulate some extra cash. The most easily sold assets include extra cars, vacation homes, and excess furniture. (Do not expect to get much for used furniture without it has value as an antique or collector's piece.)

If you can not pay off the debts, then the decree must state who will pay which debt and within what period of time. There are generally four types of debt to consider: secured debt, unsecured debt, tax debt, and divorce expense debt.

Secured debt includes the mortgage on the house or other real estate, and loans on cars, trucks, and other vehicles. It should be made very clear in the separation agreement who will pay which debt. If one spouse fails to make a payment on a debt that is secured by an asset, the creditor can pursue the other spouse.

Unsecured debt includes credit cards, personal bank loans, lines of credit, and loans from parents and friends. These debts may be divided equitably. The court also considers who is better able to pay the debt.

For unsecured debt, any separation agreement needs to include a hold-harmless clause. This will indemnify the nonpaying spouse, which means that the paying spouse gives nonpaying spouse the right to collect not only all missed payments, but also damages, interest, and attorney's fees if payments are not made. Without a hold-harmless clause, the nonpaying spouse has the right to collect only the missed payments.

Often, the legal decision and the financial exit are very different things. This is a lesson Paul learned the hard way. Tracy and Paul were married eight years, during which time Tracy ran her credit cards to the limit with her compulsive spending. The court held Tracy sole responsible for paying the $ 12,000 in credit card debt. After the divorce, however, Tracy did not change her ways and was unable to pay off her debt. The credit card companies came after Paul, who ended up paying them off.

In a case like this, one solution would have been to pay off the credit cards with assets at the time of divorce or for Paul to have received more property to offset this possibility.

Tax Debt

Just because the dispute settlement is final does not mean you are exempt from possible future tax debt. For three years after the divorce, the IRS can perform a random audit of your last joint tax return. In addition, the IRS can question a joint return - if it has good cause to do so - for seven years. It can also audit a return whenever it believes fraud is involved.

To avoid surprises, the divorce agreement should spell out what happens if any additional interest, penalties, or taxes are found, as well as where the money comes from to pay for defending an audit. We know of countless horror stories where the unsuspecting spouse (usually the ex-wife) is all of a sudden obligatory for a huge tax bill and does not have a clue how it happened.

Divorce Expense Debt

Although it is not always clear who is liable for debts incurred during the separation, typically these debts are the responsibility of the person who incurred them. An exception would be if one spouse runs up debts he or she is unable to pay to buy food, clothing, shelter, or medical care for the kids. The other spouse is probably obligated to pay those expenses.

You will accrue other costs during the dispute process, including court filing fees, appraisals, mediation, and attorneys. Other less obvious expenses are accounting, financial planning, and counseling. The separation agreement needs language that states who is responsible for these expenses.

Divorce expenses may accrue after the decree, such as attorney fees for doing QDROs, title transfers, and tax preparation for the final joint tax return, mediation fees, and long-term divorce counseling for the parents or the kids. Who pays? You do, unless it is spelled out clearly so there are no doubts at a later date.

Dividing Marital Property and Debts

Many people try to divide each asset as they discuss it - your half of the house is $ 4,000, my half of the house is $ 4,000. Since you will rarely divide the house like this, this may not be the most useful way to go about it. It may be more practical to list each asset as a whole item under the name of the person who will keep it.

For example, in the wife's column, list the marital equity in the house if she is thinking of continuing to live there. List the entire value of the husband's retirement in his column, if that is your initial inclining. An advantage to this method is that it allows you to see the balance, or lack of it, of your initial plan as you develop it. If you want to know dollar values, you may need a third party, such as an appraiser, to help you determine them.

This is the time to have a real heart-to-heart discussion with your about-to-be-ex about the range of his or her sense of fairness. Ask:

• Is the only possibility for a 50-50 division of things by value? By number?
• Are you more interested in cash than in things?
• Will you take less than 50 percent if your share is all cash?
• Are you more interested in future security than in present assets?
• Are you willing to wait for a buyout of your share, such as house selling or retirement, and are you looking for more than 50 percent to compensate you for waiting?
• Are you interested in a "lopsided" agreement (more to one of us than the other) to compensate for the larger earnings made by you or your spouse?
• Do you want to be "made whole" - meaning ending up where you were at the beginning of the relationship?
• Do you need to be compensated "off the top" for some contribution you made to the acquisition of property?
• Is there a possibility that any assets or investments are hidden?

If you both can agree on a generic plan that meets each of your ideas of fairness, you will find you have an agreement that practically wrists itself. The bonus is that you save on lawyer's fees.

As you allocate the debts, decide first whether they are marital, separate, or a mix. Then agree who will pay off the balance of each. Remember that the problem of unsecured debts may be handled more easily as if it were a monthly credit card payment than a division of your property.

Think about the long-term effect of the division of assets and debts you are considering. For example, suppose you get all assets that appreciate slowly or depreciate, and which take money to maintain (home, car, furniture). Then suppose your spouse takes all assets that increase in value or produce income (stock, retirement accounts, rental home). Guaranteed, in a few years after the divorce, what in the short term appeared to be "fair" or "equal" will look quite different. Your spouse's net worth will far exceed yours - and the gap will just continue to widen.

The word bankrupt strikes fear in the hearts of many people - especially those going through divorce. You may be trying to decide whether it is better to ask for alimony or a property settlement note and are addressed in indecision. Perhaps your spouse has threatened either to leave the country if anyway is required or to file bankrupt if money is owed or a property settlement note is due. Let's look at some of the rules of bankruptcy as they apply in divorce situations.

Two types of bankruptcy are available: Type One allows you to develop a payoff plan over a three-year period and Type Two allows you to liquidate all of your assets and use the proceeds to pay off debts, erasing debts that can not be paid in full .

Type One bankruptcy may reserve the assets and allow the debtor to pay off all the secured debt, as well as a portion of the unsecured debt, and discharge the rest of the unsecured debt. The debtor needs to make payments under a plan that is approved by the bankruptcy court.

Type Two bankruptcy forgives all unsecured debts and requires the forfeiture of all assets over a certain minimum protected amounts. Creditors have the right to repossess their fair share of the assets. The net proceeds from the sale of assets are divided pro rata among the creditors.

Here are some things to remember:

• If a spouse files bankruptcy before, during, or after dispute, the creditors will seek out the other spouse for payment - no matter what was agreed to in the separation agreement.
• While you are still married, you can file for bankruptcy jointly. This will eliminate all separate debts of the husband, separate debts of the wife, and all jointly incurred domestic debts.

Caution - promissory notes or property settlement notes, especially unsecured notes, are almost always wound out in bankruptcy. Some secured notes, depending on the property that secures them, can also be discharged. Here's what happened to Cheryl: Sam and Cheryl divided all their assets. To achieve a 50-50 division, Sam still owed Cheryl $ 82,000. He signed a property settlement note to pay Cheryl the $ 82,000 over a ten-year period at 7 percent interest. After the divorce, Sam filed for bankruptcy and listed the property settlement note as one of his debts. Cheryl never received a penny of the money that was due her.

Note: Certain debts can not be discharged in bankruptcy. These include child support, maintenance, some student loans, and recent taxes.

How to Test Electrical Ring Main Circuits

The UK was the first and is now is probably the only country in the world which still uses the 30 amp ring system for wiring socket outlets in electrical installations. The ring main circuit has long been the subject of many a heated discussion between electrical experts, but as an electrician you'll no doubt need to test them in the course of your duties. Here is an overview of Ring Main inspection and testing procedures.

Warning- Please note that this is a 'dead' test so the distribution board, consumer unit or circuit must be isolated from the electrical supply. To begin with you'll need to carry out a Safe Isolation Procedure and get permission to turn off the supply.

Here's the testing procedure:

Insulation Resistance

Disconnect all appliances and accessories from the ring circuit and carry out insulation tests between the Line, Neutral and Earth CPC.

End to End Ring Continuity Test

Set your test meter to low resistance range and 'zero' the test leads. Measure the resistance of ring continuity of each of the live, neutral and earth conductor ring loops. Record these end to end readings for future reference and entering onto a test sheet. Note that where the earth conductors are smaller, the resistance will obviously be higher. For example for twin and earth cables 1.5mm will be 1.66 times higher than 2.5mm.

Super Loop Test L&N

Cross connect the live and neutral conductors from opposite ends of the ring and to form a super loop. If at first this sounds confusing, try drawing the live and neutral loops of a ring circuit on a piece of paper with the opposite ends connected. You'll see that it forms one big super loop.

Test resistance between the ends you have just connected together. The reading taken between the super loop ends should be about half that of your previous continuity reading. You can then verify the ring main wiring and connections by going to each socket outlet and testing between live and neutral. Where the socket is on the ring and the connections are 'good', your readings should be within 0.05 of your original super loop reading at the distribution board.

These readings are not normally recorded but will form the basis for your assessment of the ring main circuit connections.

High readings could indicate that the socket is on a spur from the ring, that connections need tightening or that the socket is faulty giving a poor connection to the plug and needs replacing. Where the readings are not consistent this could indicate that there are cross connections and the ring circuit has been bridged.

Super Loop Test L&E

Cross connect the line and earth conductors from opposite ends of the ring and to form a super loop. Test between the two sets of ends you have just connected together. The resistance reading should be about half that of your previous continuity reading. You can then verify the ring main wiring and connections by measuring the resistance at each socket outlet as for Live and Neutral described previously. Testing between live and earth at the sockets also checks for correct polarity.