What do you think of when you hear the words “home based business”? If you are like a lot of people, you may envision all manner of scams that require you to invest a lot of money upfront, a huge amount of time and very minimal chance of positive returns on your investment. The truth is, there are a lot of business models out there that will live down to those expectations, but there are actually some companies that are worth looking into if you would like to learn about becoming your own boss. These companies can offer you the unique opportunity to decide how, when and where you will work, putting you in charge of your income, rather than leaving it up to someone else.If you have ever worked for someone else, then chances are that you can understand the appeal of a home based business. Think about it. If you are working for someone else right now, you probably get up too early every day, rush around to get ready for work, hurry yourself and your kids out the door when it is still dark, spend time in jammed packed traffic to and from work, then spend all day working hard to make someone else money. You slave at this for as many as 8-12 hours or more a day, rush home, eat then fall into bed exhausted, only to do it all again tomorrow. In the process, you miss out on precious time with your spouse and your kids. You lose the freedom to go where you want, when you want, and you do it all for someone else. Even worse, at the end of the day your loyalty may be rewarded by you being laid off! Especially in today’s time. People who never follow their dreams are going to work for someone who did.In a home based business, you work where and when and as much as you would like. Every hour you put into your work is for the express purpose of putting money in your bank account, and growing your business! As your own boss, you call the shots. You decide when it is time to work, and when it is time to play. You never have to miss another soccer game or dance recital again. Your home based business gives you the freedom to be the kind of parent, spouse and friend that you have always wanted to be.Don’t resign yourself to a life of working for someone else, for limited returns. Give yourself and your family the chance to succeed for yourselves with a home based business. Again, there is a lot of garbage out there, a lot of companies are here today and gone in less then a year. You have to find a company with a foundation, a good reputation, good products, and good system and a killer compensation plan. Basically don’t play around with any little money games. Find a “Real” company and a “Real” business. Some that I would recommend that I know for a fact are legitimate companies, have great reputations and actually have a ton of people making money in them are iLearning Global, LifePath Unlimited, MonaVie, Carbon Copy Pro, the Trump Network, Global Resorts, Yoli, ShopToEarn to name a few.Companies like LifePath Unlimited and iLearning Global are having Huge success due to them being based around Personal Development which is an absolute Exploding industry. Personal Development has grown something like 151% in the past 24 months…in this “bad” economy…these companies have been sky rocketing and having record breaking sales each new month.Everyone on this planet can use some personal development…no matter what business or industry you are in…

How times have changed from the initial days of buy to let. The market has matured, investors have come and gone, and in particular, the way in which people invest has changed dramatically.Only a few years ago, then focus seemed to be on “The art of the deal”. You know, a decent return on investment, or a good yield. Things seem to have changed now to “how much is it, and do I need a deposit”, and there are a flurry of deals available out there.The “No money down deal” is now the holy grail for many property investors, as opposed to the old fashioned way of making sure that the rent covers the mortgage each and every month. I know I sound a bit old fashioned, but at 34, I wouldn’t say so. Just an investor with experience, who has seen enough investors buy below their “perceived” market value, only to either lose the property, or sell it at a loss later on, simply because they thought it was a short cut to success (There isn’t one by the way, despite what many property clubs may infer, at least not in my experience).Originally, The Art of The Deal I refer to was about the rental income, less the mortgage costs and any other fees, and whatever was left should have been profit at the end of each month.The profit was then multiplied by 12 (as in the months of the year), and divided by my initial investment. This is your Return on Investment (ROI). This was the way in which you could compare one property deal, against another deal especially at different rental values.For example, is a property purchased at £150k with a rent of £650, as good as a deal at £95k and a rental value of £425. Do you know the answer ? Well you need to know what the service charge is on each one, then add in the property management charges. Then you can do your comparison. Usually, it’s the lower price properties that give a better return on investment. An added bonus of a lower priced property is also the fact that you don’t need to pay stamp duty.As well as having a better return on investment, having two smaller properties rather than one big property helps with void periods. If one of your two smaller properties are empty, then its only a 50% void. But having the one large property empty means 100% void.In fact, when you’re first starting out in property investing, there’s a line of thought that suggests you should only buy properties under the £120k mark in order to avoid stamp duty, and to spread the risk across multiple properties, which takes advantage of a better Return, less risk in terms of voids, less up front costs (although you will have two mortgage fees, and two sets of solicitors fees).I think buying a property at £220k as your first property is potentially “property investing suicide” and you need to cut your teeth on something a little bit less risky, without all the massive upfront costs that come with such a high priced property (and potential mortgage commitments)But the main reason why I think that the Art of The Deal has changed, is that these days its not about doing the maths on the deal, its about the discount you get from the developer so that you don’t need to put down a deposit.While this seems like a good idea, in practice it can mean a lot of similar properties completing at the same time, all with lower rental valuations, and a potential loss of anywhere upto £250 per month. Incidentally, it is usual for rental valuations to be low on new developments, due to normal supply and demand, but not when you have already paid over the odds for a property just to get a no money down deal.That said, not all no money down, off-plan investments, are the bad deals. Some of them do stack up, but you need to do your research. For example, why buy a city centre brand new off-plan property, with no previous history of rentals, when you can buy a 2 bed back to back (or two of them) and know that the property has been there 100 years, its already got history of being rented in the local area.Of course you could say that you have guarantees for the first few years that the white goods (fridges, dishwashers, etc). But that sometimes isn’t the case (as my tenants in one of my Brand new Manchester properties discovered when they were left without a shower for 6 weeks).But do you do the maths? Do you know whether it’s a good deal or not.And that’s why I think that The Art of The Deal has changed.Let me quote an example. I spoke with an investor recently who had purchased a property off plan from a property sourcing company. The property was valued at £140,000 by the RICS approved valuer. The property however was purchased for £150,000, less a 15% discount, and the landlord didn’t have the funds available to fund the rest of the property, so he was going to lose the £3,000 deposit he had paid to reserve it.The property itself didn’t stack up either, as it’s a one bed and the rental value on this is £550 per month. The problem here is that the property just doesn’t stack up, the rent wont cover the mortgage, and it seems to be all about getting a discount on the purchase price. “But you make money when you buy property” said the landlord.Im afraid that’s too much Rich Dad, Poor Dad, the book that launched a thousand investors, which does quite rightly state that you make money when you buy.But the context is incorrect. What Robert Kiyosaki meant was that you negotiate well in order to secure a discount, not that you purchase an already inflated property at a discount just so that you don’t have to put any deposit in.It is by the way, still possible to buy a discounted property, and still make a decent return, but if you don’t know how to find out whether the property is a good purchase compared to another property, then you’re going to make mistakes and this may cost you dearly.The bottom line on this is, is simply that if you can work out how to value one property against another, then you can do a direct comparison and make sure that you reduce the chances of buying a property that may be too expensive, or not cover its costs.

When it comes to handling personal or family financial matters, many people like to be in charge of their own money, and have trouble with the idea of letting someone else manage their finances. However, there are people who are willing to admit that they need help, and that is where personal financial consultants become handy.

A personal financial consultant is someone who is a professional when it comes to finances, and who is put in charge of handling various aspects of your finances. There are many people out there who will gladly take charge of your finances, so you must make sure that you are going with the right person before you trust anything to anyone.

Are you looking for a personal finance consultant? The absolute first thing that you need to decide is if you really feel comfortable trusting your financial decisions to someone else. This is not really a casual gesture, because you will be giving another person control over your finances, and it would be a very bad thing to give this control to someone you cannot trust. Do you absolutely prefer to have someone else in charge of your finances? Is there a way to handle your finances on your own without outside help?

On the note of trust, the next thing that you must decide is whether or not you feel comfortable trusting your personal finance information to someone else. Personal finance consultants are professionals, but that does not always necessarily mean that you should trust all of your personal information and financial information to them without doing some research and making a concrete decision about how trusting you feel. There is no rush involved when it comes to finding a personal finance consultant, so take your time and weigh all of your options before making any decisions.

Never give all of your control away! This goes for allowing anyone to manage your finances, be it your spouse, or a personal finance consultant. If you put someone else completely in charge of your personal finances, there is a chance you will be unable to keep track of your own money. If something happens to your spouse, will you know how to pick up where he or she left off? The same thing essentially goes when it comes to hiring a professional personal finance consultant. If there comes a day where they are no longer your financial consultant, will you be able to pick up where they left off?

You should always make sure that you have at least some control over everything, and that you are always aware of what is happening with your finances, even if you allow someone else to be in control of them. This way, if you are ever forced back into control, you will be able to pick up where they left off without any confusion.

Actual date advertising and brand safe advertising, two types of marketing strategies that a performance ad network can help you with, can help establish your products and sell them, too. You can learn more about real time advertising and brand safe advertising so you will have the knowledge and you can decide if this will be great for your product.

What is actual date advertising?

Actual date advertising makes the most out of the present time. Advertisements are shown over the internet based on what is happening right now. This type of advertising targets the person who is online at the moment.

Why use actual date advertising?

When an advertiser opts for actual date advertising, it can target the right audience more effectively. The advertisement can be created in a way that can attract the attention of the user who is online and surfing different websites.

What are some examples of these?

Different kinds of products can make use of actual date advertising. Is it Valentine’s Day tomorrow? Expect to see advertisements that offer discounts on delivery of flowers. There might also be good deals on special chocolates for your sweetheart.

If you are viewing your bank’s website, you may also find that they are promoting certain electronic devices that would be great for their business-minded clients. Others can offer recommendations on which products to use.

Real time advertising and search engines

Traditional advertising tends to interrupt the viewers when showing their ad. For example, while you’re watching your favorite tv show, you get interrupted by commercials. This can even be problematic because some of the ads shown do not really target you.

In search engines, people type keywords and they get information and advertisement of what they are looking for in actual time. Search engines such as Google and Yahoo provide information that’s related to what the user is looking for.

Actual date advertising and social media

Social networking sites have been the “in” thing these days. Who doesn’t have a Facebook account? Millions are already Facebook users. Many are online at the same time. It is a good site for real time advertising.

Advertising can target what the Facebook users “Like” or “Share” on the site. There was also an experiment done where Ads were shown based on “status” posted by a user on the site.

Tweets on Twitter can also promote products and services in real time. Media sharing websites may also be places who can use actual time advertising.

Brand safe advertising

Companies want to keep their names clean – their brand names. They need to protect their brand names, names that for many, have taken them years and a lot of effort to build. A brand safe advertising can benefit them.

There are products and services that follow strict rules regarding what their ads should look like, where their ads should appear and other requirements. For instance, a reputable brand name, doesn’t want an ad appearing in a website with improper content

Adgorithms.com is a website that offers its advertising services. You can check it out for yourself. You can also find out if real time advertising and brand safe advertising is the right way to advertise your product by consulting a Performance Ad Network.