Is it better to pay off bills or buy a house?
Answers: depends if the house is for personal use or for investment. If it is a house for yourself to live in, pay of all ur bills and debts first. Mortgages are hard to pay off already. If for investment purposes go for it
Pay off debt. Buying a house is simply assuming additional debt.
A little debt is fine IF you can demonstrate the ability to pay it down rapidly and are not in arrears. In fact, you need to be able to do this to rate a high credit score. But if a large percentage of your income goes to paying credit card debt at high interest rates, you are much better off focusing on paying that down.
Lets see...retire interest-bearing debt or add more interest-
bearing debt. Thats a tough one all right. I think I'll go with
choice "A". Good luck.
debt to income is a huge factor in buying a house, what your interest/monthly payment will be.
If your able to pay off all your debt, or most of it, it will make buying a house slightly cheaper in the long run.
BILLS!! Especially anything overdue of course. If you dont have anything overdue, take some serious stock of what bills you currently have and how long you have left on them. If they are credit cards, do you pay the minimun or do you pay each bill off every time you get them?
Even if you think you can qualify for a home loan, make sure to take a look at your current financial situation and always have a back up plan. The "what-ifs" ALWAYS happen. Make sure you know about your other bills and what you can put off if you need to - for example, do you have a deferment option on your car payment if you need it, and how does it work? Also, if push comes to shove, what bills can you get rid of without getting behind on anything and live without if you have to for a little while.
With the uncertain housing market bubble that has burst and seems to be heading deeper off a cliff, I would focus on paying off bills right now.
Also try to save some money for a down payment when the time comes.
Now is not the time to buy housing in America.
There are conflicting reports on how much the prices of housing may retreat in the months to come and possibly next few years.
I would not buy a house for $200,000 now and have its value drop to say $125,000 a year from now.
Stay informed and watch where all this goes, and consider making a purchase when the Tsunami is over.
Which is the good way for making money through online?
Answers: http://www.sharedreviews.com/signup_memb...
It's a site that pay good and is legit. All you need to do is write review on anything you want and they pay you $2 for every review. Plus it is completely free to join. This is a very easy way to earn money online. Hope this helps
PS. If you join please refer my nickname perfectdeception
I think, it is blogging, through doshdosh.com
Well Truly speaking, I am also searching one since last 6 months, but I have still not been able to find any.
In case if u get one, please do inform me as well, I surf a lot, as well as read a lot, especially for online money making, But still not sure of any legitimate way.
Regards
Deep Sukhwani
now a days... Refferal Marketing got a good boom as per the efforts of our PM and FM... join any one of those schemes.... make ur own money. The scheme am working pays 11500 to 690000 per week.
if u want further detials... send me a mail to srinadh_v9(a)yahoo.co.in
If you have any website or blog, then the best way of making money online is G00GLE a.d.sence.
Thanks
Tareq
One Step 4 Income - Let's compare…..
For any potential members to One Step 4 Income I want to explain to you what OSI is and what it isn't. Then we'll compare OSI to other forms of income and business opportunities on the Internet and see how OSI stacks up.
One Step 4 Income is a online business feeder system that's based on the Reverse-Universal-Marketing principal (RUM.) Here's what RUM allows OSI members to achieve.
REVERSE
OSI members build an organization first (5 X 4 forced matrix) without spending any money out-of-pocket by following a simple step-by-step plan. Then join the core-business in the system and feed their referrals in to the business after them.
UNIVERSAL
Everything in the OSI System is exactly the same for every member. You have the same plan, the same pre-written email messages and headlines, the same downline builder, the same website and the same forum. When I say the same, I mean the same -- even down to me. By being universal, the entire system is easily duplicatable.
Remember, people are not duplicatable -- but systems are.
MARKETING
Everyone has a basic idea of what marketing is. Marketing can take many forms. OSIs marketing method of choice happens to be Safelist email marketing.
Here's why.
Email marketing is the most effective form of advertising on the Internet. However, since the CAN/spam regulations we're passed and with newer filtering software, email marketing has been very difficult. Safelists provide us the opportunity to LEGALLY reach millions of potential prospects in a very short period of time, with a small effort, and with NO cost. So what you have is the most effective, least time consuming most affordable promotional method you can find.
Other forms of advertising are either too costly, very time consuming, require a great deal of expertise, are far less effective, or are a combination of all of these things put together.
The ONLY draw back to Safelist promotion is that you have to agree to receive email messages from other Safelist members. But we even have this small obstacle covered by giving you a free Gmail account. Gmail is G00GLE’s version of email and can handle over 1 million emails. All members have to do is have the messages from the Safelists sent to their Gmail account and periodically delete them by pressing a couple of buttons. So these messages are really not a problem at all.
Now let's look at some alternative income and business approaches and see how OSI compares.
Traditional Brick & Mortar business:
If you were to build a brick & mortar business (offline business) it would require an extremely large investment of time, money and expertise. Not to mention employees to help you run it, competition from huge conglomerates and a large expensive product inventory that has to be maintained. Let's just say this is out of the reach of 99% of people looking to earn an income, especially in today's expensive and competitive market.
Online MLM:
Here's a form of business that's appealing to many people because in most cases it's affordable (as far a businesses go,) it can be run from home and has the potential to make a very good income. Here are the drawbacks. First you have an initial investment to join the company, usually from $50 to over $1,000. Then you have monthly fees that have to be paid, in either product purchases or membership fees. Next, you have to pay to market your products and the business, make phone calls, attend seminars and phone conferences, buy and listen to motivational tapes, and then prospect, recruit and build a downline. Over 98% of people joining a traditional MLM fail within their first 3 months without so much as making a single sale or recruiting a single person.
Affiliate Marketing:
Here's where unsuspecting income and business seekers get themselves suckered into wasting a lot of time, money and effort, and in the end, have nothing to show for it. Affiliate marketers need to locate products to sell first. With all the Gurus online, these products are usually not hard to find. A nice feature of Affiliate Marketing is that to be an affiliate marketer it generally doesn't cost you anything. So there are no upfront costs to get involved with affiliate marketing.
BUT, here's where people get suckered in. Unless you have your own products to sell, you have to sell someone else's products for a percentage of the profits. Then you have to invest in marketing those products (this is how the Gurus save on marketing costs) which can be very expensive and requires allot of expertise to be successful.
The Gurus will tell you that the money is in the list, and that's true in affiliate marketing. But how can you build a list when the buyers you send to your affiliate site sign up for the "free" report etc. that the Guru has placed on the website to harvest the lead? So you pay for marketing the Gurus product AND give him a free lead in the process.
Doesn't sound very fair to me. Plus, the Guru now has you on his list so he/she can bombard you with his/her offers. So every time you make a sale, you earn a percentage of the profits, but then have to continue making sales from scratch if you want to earn a sustainable income.
There is an alternative to this though, you can go to the Guru's seminar, or get mentored by one of his/her associates to learn how he/she is making so much money. But it may cost you $5,000 to $10,000 to do so. Or, you can purchase an ongoing educational program that generally costs between $100 and $1,000 per month.
Oh, and let's not forget a job... your boss controls your destiny. you sacrifice your time and efforts for a pay check that keeps you Just Over Broke.
So if you were to select any of the business methods above, you better have a lot of investment capital, expertise and time.
Here's how you make money with One Step 4 Income.
The OSI System is a FREE downline builder /feeder system and marketing strategy... NOT a business. As such, you don't pay for the OSI System.
OSI reverses the traditional way to build businesses. Instead of paying a fee to join and then using out-of-pocket money to market and build your business, OSI gives you the system and all of the tools, materials and marketing sources for free. That way you can begin to build an organization first without going broke.
Your objective is to begin building a team of referrals and join the first, or core-business in the system, New Plan Network (NPN,) for $10.75, and $10.75 a month after that. NPN has a 6 step pay plan. Each step costs a little more, but pays out much higher commissions as well.
Most members join NPN early to avoid getting "leapfrogged" and because it's so inexpensive to join. Other members opt to join the free services and/or businesses that we offer and earn the $10.75 to join NPN. It's entirely up to the individual.
You advance to the next step in the pay plan by keeping enough commissions in your payment processor to finance the monthly fee -- anything above that is pure profit. This process continues until you have advanced to all 6 levels in the pay plan.
Here's where it really gets exciting. You only need 30 referrals to follow you into all 6 steps in the NPN pay plan to earn over $4,500 per month, and that doesn't include what you'd still be earning on the 5 lower levels! How many businesses can you earn that much money with such a small investment and so few referrals?
What happens when 50 or 100 referrals follow you into all 6 steps? But that's not all... as these same referrals begin to join the other businesses in the system after you, your income will continue to increase. And that doesn't include the commissions you'll be earning from your referral's referrals. Can you see the income potential?
Once you have earned enough money to join business number 2, My World Plus (MWP,) you can join and begin to feed your referrals after you. From there you will join the third business in the system, the One Step System.
NOTE: Due to the change in the NPN pay plan (6 commission levels instead of a single commission level,) we have adjusted the current amount of businesses in the OSI system. Instead of the original 7 businesses, we have eliminated four and currently have three businesses in the system. Additional businesses will be added as members begin to advance that far and only after a vote by active members to determine the new businesses that we add to the system.
So that's what you have, an opportunity that has no limits except the ones you place on yourself. If you are serious about earning a 6 figure income you will do what it takes. But if you think this requires too much work or you have some other excuse, you will NEVER succeed in anything.
Join Here:
http://thenpn.com/at/?id=9795
______________________________________...
Kind regards,
Lee Roshan-Nahad
Any Questions, Contact Me:
prima-alpha(a)hotmail.co.uk
P.S.
If you can not see the “Join Now” button at the bottom of the page then refresh the page and it should sort out the problem.
I like paid surveys. They are not going to make you rich, but it is easy money. I do surveys for the company http://www.cashcratesurveys.com
My tutor have get some moral funding but he said he is not going to spend it on my project; what can i do to?
change his mind;i am a graduate student of engineering and I obligation this funding for the semester; however asking him directly for money and begging funds will NOT work
funds can be granted within forms of research / teaching assistant
Answers: You should bargain to your adviser.
1. Find out why he not funding your project
2. Is not inclined to fund your project, is he willing to provide a culture assistant-ship? Ask you adviser, what other sources of funding might be available.
One of the push button things you will have to cram is how to get your own funding, maybe, he is simply providing you some motivation for finding your own research funding.
3. Consider changing guide or research project.
Most of the advisers needed student that worked on projects which were aligned beside their interest. If your project does not build on your advisers research or is some how is contained by aligned with your adviser research, perhaps you should consider getting another teacher or changing your research project.