Maximize Daycare Income Streams

Maximize Daycare Income: Blog Daycare Activities, Menus, & Mom Tips For Passive Income

By Jan Verhoeff

When you run a daycare at home, you may think you’ve maxed out your time and effort, but - have you?

Every day you plan a daycare menu, child activities, and offer Mom’s tips for making the most of parenting time, because you have experience in those areas. Why not share your daycare experiences and have additional income?

Blog your daycare experiences, run an online forum for parents, and design a website with Tips for Mom’s and Toddlers, or After School Plans and make a bundle from your efforts with passive income streams. Use your daily child-loved meal plans as pages on your website, or blog the craziest stunt your most recently acquired two year old attempted, and you’ve got a winning site with frequent visitor miles.

When you share your day online, other moms become part of your community and you make a buck or two from an alternative source of business. The day is good. Your active income from running a daycare may only make a few dollars a day with all the deductions, but your alternative income streams may bring you a hundred dollars or more, depending on what kind of income streams you include.

You can Maximize your Daycare Income by sharing what you do, increasing your visibility, and making a name for yourself as an expert in your field of child care.

The daily events that make you laugh with joy or cry tears of distress can bring you fame and additional income if you blog it.

When you share your expert knowledge with other daycare moms through a forum, or website, you can offer benefits and bonuses that bring them more income options. Your ideas become valuable and people begin to look for your words of wisdom.

Jan Verhoeff enjoys additional Spring Income from operating a Tax Consulting Business from her home in Southeastern Colorado. IF you’re looking for information, need help with online filing, or just want to discuss your tax prep with a professional, Jan offers hourly consulting fees at reasonable rates. Or you may search http://taxprep101.blogspot.com for Tax Advice and Information at no cost to you.

If you choose to develop your business with additional income streams, Jan Verhoeff can help. Visit http://brandyourmarket.com for more information about business development and branding your market.

Get out of debt with buying power!

Ever wonder how to get rid of those pesky-bothersome debt collectors?

It isn't as easy as you might think! They crawl into crevices like cockroaches and don't come out unless everything is clear. Then they crawl all over you and pester you until you scream Uncle and pay the debts - whether you owe them or not.

Recently, I was talking with a friend who shared a name with another resident of her fair town. The lovely lass who shared her name had managed to cross their credit lines with a residential loan and a few ill conceived credit applications. Was there a purpose or intent there? Probably not, but the problem had been created and there was little that could be done after the fact, other than fight for corrected credit.

After many letters and other resources had been stirred up, my friend signed into Prepaid Legal and found out their Identity Theft is just for such an instance as this. With a few legal letters sent to creditors who had previously refused to correct the problem - my friend found her problem had been solved.

I highly recommend Prepaid Legal and Identity theft Shield.

Make Money Online

Make Money Online - My friend Jan Verhoeff created a website with this title and it was stolen. Even after it was stolen, her site was still getting rave reviews as a cached site by the search engines, for as much as 7 days. And her site continued with high rankings. The reason? It had a lot of solid content, Dynamic Content that built a solid foundation for the business of promoting an opportunity for all "Make Money Online".

Dynamic Content promotes growth on the Internet, whether it's a website for dog grooming, building an income online, or fielding cattle, the content on a site determines the value of the site for building an income online. There are many options for obtaining great reviews online. The best one just happens to be building a site with high quality content, full of keywords and phrases, with some dynamic copy to capture the interest of the readers.

Credit Repair: Debt Consolidation

Consolidate Your Debt When You Don't Own A Home
By Steve Faber

No House, Alot of Debt, What Do You Do?

If you have a great amount of debt, especially if it’s mostly from high interest credit cards or store accounts, you’d typically get a debt consolidation loan. This would give you one monthly payment instead of many different payments. Because the interest rate is much lower than the debts you’re paying off, the monthly payment is dramatically reduced. The reason the interest rate for a debt consolidation loan is so low is because it’s a secured loan. This means you have collateral, typically a home or other real estate, securing the loan. Because the lender has collateral for the loan, their risk is much lower and that is reflected in the interest rate.

So what if you’ve got no home or real estate to use for collateral? Can you still get a debt consolidation loan? Well, you may have several solutions. One debt consolidation solution for people who don’t own a home, but still have good credit, is to use no interest credit cards. Many people get these type of offers in the mail every week. You can transfer the balance from one or more credit cards onto a new credit card. For the promotional period, usually 6 months to 2 years, you’ll pay no interest on the transferred balance. That functions like a debt consolidation loan.

Make sure you cancel all or most of the old credit cards and examine your spending habits. This will help to keep you from getting into a dangerous credit situation. This can easily arise when you have the new card with a healthy balance that you transferred over, and all your old cards still active. If you start to accrue a balance on the old cards, you’ll soon find yourself in a situation where you have multiple cards with large balances in addition to the new card with the debt that you transferred. It’s worth mentioning again. Make sure you thoroughly examine your spending habits to ensure you don’t just spiral deeper into debt by adding a new credit card.

Another alternative, if you are really in a bind and don’t own a home, is credit counseling. Credit counseling can get you a debt management solution that can allow you to become debt free within a certain period of time. A good credit counselor will work with you to develop a personal financial plan that lets you maximize the use of you money. You can do more with your current income and get yourself out of debt. They will also look into the future to assist you in planning for the future, so you have a financial contingency plan in the event of an emergency. In a worst case scenario, they will work with creditors to negotiate different payment schedules or decreased credit balances.

If you need a debt reduction or consolidation solution but you don’t own a home, do not despair. There is a solution for your problems. You can get out of debt without sacrificing everything.

You may have to tighten up a bit, but you’ll get through it with a little guidance.

Find out more about how to consolidate you debt, how to go about it, and if you should even considerthe alternative in the first place. There's a wealth of great debt and loan consolidation information to help you at the Loan and Debt Consolidation Guide

Article Source: http://EzineArticles.com/?expert=Steve_Faber

Low-Income Retirement Options: Investing for financial Survival

95% of Retirees Retire Into Poverty!
By Bill Young

I recently saw a Wall St ad quoting a startling Government statistic about retirement: “Of the 77 million baby boomers planning to retire in the next 10 to 15 years, 95% are hurtling toward unexpected financial difficulties.”

Those “Difficulties” are that they will be unable to support themselves without continuing to work for the rest of their lives!

Can you imagine, after a lifetime of hard work, struggle, hardships, maybe even tragedy, you’re about to end your life in poverty, disease and want unless you work till you drop?

Is that all there is? Or do you want to be in the fortunate 5% who can retire without money worries?

What does the Wall St ad suggest you do about this? Buy their little Retirement Newsletter!

1. Techniques for saving for retirement without changing your lifestyle today

2. How to build the best retirement portfolio for long-term income

3. How to make sure you don't outlive your available retirement income

4. Advantageous mutual funds, REITs and variable annuities

5. Estate-planning strategies

Let’s take a look at their newsletter’s suggestions:

1. Saving for retirement without changing your lifestyle today? What Bull! It is your current lifestyle that got you into this mess!

2. A retirement portfolio for long term income? Baby, you need more income, right now. In the long-term, your butt will be dead!

3. Don’t outlive your retirement income? What retirement income? They just said that 95% of you will not have enough income to support yourself.

4. Advantageous Mutual Fund, REIT’s and variable annuities? All products Wall St makes commissions on! Ask them what difference they will make in your retirement fund in only 10 years.

5. Estate planning strategies? What estate? Aren’t we talking about the 95% of baby boomers who will not be able to quit work?

No, boys and girls, I don’t think their approach is going to solve your problems!

I remember a quote, someone said that if you keep doing the same things and getting the same miserable results, you need to do something different.

You absolutely MUST change what you are doing, your trajectory, if you don’t want to end up like everybody else: broke in retirement.

Here is what you must do right now.

First, figure out what you will need to live on during retirement, say 80% of your present take-home pay.

Check with your Human Resources Dept. for a projection of what your pension will be, if any. Check with Social Security to see what your projected retirement benefits will be.

Then add in any savings or investments you have including the equity in your house and how much income that would produce if invested at 10%.

Ten percent? Unrealistic? To some. Those who do not know about the returns available from private mortgages, tax liens and other safe, sophisticated real estate investments.

Add up all of your projected incomes and compare with the 80% of present take home figure.

Your problem is now identified and quantified. You have a goal. If it is severe as I think it will be, you will have to pursue aggressive investment strategies such as real estate to catch up. You might even have to “change your lifestyle.”

Otherwise, you will end up spending your Golden Years working at the Golden Arches. How embarrassing to have one of the neighborhood kids recognize you. “Hey, ain’t that Tommy’s Grandpa?” And then to throw ketchup-doused, Tater Tots at you!

Copyright 2005 Bill Young. Bill is a former bank mortgage officer and licensed financial consultant. He is now a Personal Wealth Consultant, helping clients to Quit the Rat Race and become financially independent at Any age! Baby Boomers might want to check out his Emergency Retirement Plan at http://IRAInvestorsExchange.Com. If you are facing foreclosure and want to save your home: http://SaveYourHomeLLC.Com if you must get rid of it: http://WeTakeOverPayments.Com

Article Source: http://EzineArticles.com/?expert=Bill_Young

Networking - Building Business Relationships

After a discussion about networking at our regular meeting, Jan sent me this article. She could have posted it herself, but didn't. I thought it was worthy of notice, so here it is.

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Break the Networking Code: 5 Simple Steps to Building a Stronger Network

By Jan Verhoeff


Networking online seems simple enough, just find a spot and step right in… or not. I’ve taken advantage of the opportunity on several fronts, occasionally floundering along with the rest, or being inducted into the leadership (occasionally kicking and screaming all the way to the prized throne), and even on several occasions finding my very own niche and fitting in well.

Networks have various purposes. Often those purposes do not include networking, so if that is your goal, be sure networking is actually at least part of the purpose of the network.

Find a network that fits your style. Niche based networks need not be specifically your niche to fill the bill. I’ve found that I need input and access to people in a variety of niches to make my business work. My purpose is to find a network that uses my skills and includes folks who have skills I’m going to use.

Recently, I spoke with Heidi Caswell of http://www.heidiscards.com about creating an ad-card that would work for my tax business. While her business isn’t particularly related to my ‘tax business’ her services may prove quite helpful to my business. When I need cards for other purposes, Heidi will definitely come to mind, because she cared enough to go the extra distance and contact me. Our network is working, because we have mutual interests, although our niches are quite different.

Actively participate in the network. When you join a network, it is important to let them know what you offer, and begin to communicate what you need to others. Online, we often refer to this as “posting”. If you’re going to take time to join a network, at least jump in there and tell them why you’re there.

If you want to network with other writers, or meet people who offer marketing tools, open a thread asking for those services or information about them. Read other posts and respond, offering your services where appropriate.

Be an interactive part of the solutions. All networks based on interactive solutions and needs of the networkers find strength in their resources. When reading posts, look for ways to help, offer suggestions, or add information. Even if your information comes by way of additional questions, you’ve added something positive to a network group, by posting your thoughts.

Help with any ongoing network projects. Web Content Awareness Day was the brainchild of Dina Giolitto from http://www.wordfeeder.com and while she’s put in a lot of work for the creation of this day, it didn’t stop with her. Advertising, promotions, articles, and content have been drawn from most of her interactive network. I’m sure she could have done the job without my help, but … would she really have wanted to? And more importantly, would I have wanted her to? Get involved and participate. Go visit the site at http://www.webcontentawarenessday.com and see what you have to offer. Or just get involved in whatever network you are in.

Promote the network on your sites. Whenever possible, promote your networks on your blog or website – even just a tiny blip that sends your readers to that site for a referral. Online networking is primarily about building traffic to your site and growing your online business. By building traffic to your network, you are sending traffic to your site as well. It works. When you promote others, you get promoted.

Break the network code by following the steps here in this article. Get recognized by getting involved.

Webpreneur and Content Provider, Jan Verhoeff, has learned to focus her business on meeting the needs of others. By creating an atmosphere where many can achieve their desired goals, Jan moves steadily toward her own goals. What is your dream business? Are you there yet? Let Jan help you achieve your business goals with information, resources, and consulting that works. Visit her at http://www.janverhoeff.com

Web Content Awareness Day - Press Release

FOR IMMEDIATE RELEASE:

December 1, 2005

Online Marketers Join Together for First Web Content Awareness Day

Dina Giolitto, Web Content Provider and owner of http://Wordfeeder.com, is taking online networking to a whole new level. Thanks to the power in networking numbers, Giolitto is currently illiciting the assistance of 20+ Ryze Business Network members in creating and promoting an upcoming major online marketing event, Web Content Awareness Day.

Web Content Awareness Day will officially launch on February 9, 2006. The holiday's host website, http://WebContentAwarenessDay.com, will house the creative talents of as many marketers as Giolitto can possibly squeeze in over the course of the three-month production phase preceding the event's debut. Several well-respected big names in the web marketing industry including Lorrie Morgan-Ferrero, Alice Seba and John Delavera have already heeded the call, offering inside tips and tools for content producers who seek guidance and direction in the dynamic realm of Web Content Consciousness.

"I first recognized the incredible potential in network-based group projects after compiling a 200+ page e-book of invaluable article marketing tips from my former 180+ member network, Article Marketing Mania on Ryze.com," says Giolitto. The gesture has been well-received by both contributing marketers and those who visit her website and download the free information. Since this realization, Giolitto has gone on to form a new network with a new collective goal, also on Ryze.com, called "ABC Network - Articles, Blogs, Content Et Cetera."

Giolitto states, "The e-book project came together so effortlessly that I could have smacked myself for not thinking of it sooner. There we were, all the internet marketers, on an ongoing quest for truth in marketing and new ways to drive traffic. Suddenly I looked around and saw that in coming together to share ideas and knowledge on our network, we had enough material to easily compile a web marketer's how-to manual that's easily worth hundreds of dollars!"

Of the Web Content Awareness Day Site she says, "My mission is fueled by the enthusiasm and support of the many talented marketers who have generously offered their time and skills to make this event the best it can be. I'm incredibly grateful for the connections I've made and continue to make on the web. In some way, you might say that this event is my way of "giving back" to the internet for all the success and profit it's brought me. I look forward to us all forging ahead in our quest for practical content solutions and more marketing events like this in the future. It's clear now that the value in teamwork will always exist, even in the free-wheeling world of freelance web marketing."

Dina anticipates no less than 30,000 visitors to the Web Content Awareness Day site, and urges fellow marketers to "make contact well before Christmas if they expect to land a spot for their articles and ads."

Interested parties can learn more about Web Content Awareness Day by visiting http://Wordfeeder.com/wcad/landingpage.com or emailing dina@wordfeeder.com for more information.