Dreamstime

Thursday, May 25, 2017

Errands

Another way of making a little money on the side is to run errands for people 

Believe it or not, there are some people out there who have more money than they have time.  Around here we have very little of either.

However, there are very busy people out there who just don’t have the time to take care of certain chores.

You may find a local work-at-home person who has a lot of work that needs someone to run to the office supply store to pick up ink or paper.

You may find a local mom-and-pop business where there just isn’t enough time in the day for mom or pop to take off and mail packages.


Busy families may need someone to drive Junior to his baseball game or little Junette to her scout meeting.

There are countless tasks that busy people need to have done, but they don’t have time to do them.

In some places, people have started a complete business just by picking up takeout orders from local restaurants that don’t deliver and taking them to people who don’t have time to get out and pick up the order themselves.

Often these people will have a discount deal worked out with a handful of local restaurants.  The restaurant will provide a streamlined menu to the delivery service.  This streamlined menu will contain only their high margin meals.  The delivery service will pick up the meal and take it to their customer who will pay the retail cost of the meal as well as a delivery charge.

There are many things that one can do.  When my father, Robert Bruce McClendon, Jr., was in college, he would pick up clothes to be cleaned from boys who wanted to have their clothes dry cleaned, but did not want the hassle of taking them to the cleaners.

My father had worked out a discount with the local dry cleaner.  The dry cleaner would make out a bill for the full amount of cleaning.  My father would pay the discounted amount and take the clothes back to the boys.

They would pay full retail price for the cleaning along with a service fee.

You may be able to come up with several ideas based on this.
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I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.

Always consult a professional before you act on any of the information you find in this course.  


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Disclaimer

The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions.

There is no one right answer to any business question that will cover all circumstances.

Wednesday, May 24, 2017

Guest Post: 4 Ways to Escape the Rental Trap

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.


4 Ways to Escape the Rental Trap
New Home Buyers Have More Options Than They Realize

After living as renters for the first seven years of their marriage, Geoff and Kristi decided it was time to purchase their first house
.
They decided to pass on making a purchase earlier in their lives for reasons ranging from unstable job security to high mortgage rates. Whether justified or not, Geoff and Kristi kept making excuses for not pulling the trigger on a new-home purchase. They had no idea of the opportunity they were missing to start building their personal wealth through home ownership.

As time moved on and their family grew, they knew they finally needed to make that move to build some equity and have something to show for the money they were dishing out just to keep a roof over their heads.

“A lot of people have been misinformed, resulting in becoming content to live as renters,” says Joe Puthur, President of Mortgage Coach (www.mortgagecoach.com). “Families have been missing out on opportunities because of lack of knowledge. With today’s mortgage options, people can achieve affordable home ownership wherever they want to live.”

Puthur offers first-time home owners the following insight to help find the right mortgage:


·  The best mortgage option is not always about rate. Many loans come with advantages such as working in the cost of planned renovations – like adding a bathroom or modernizing a kitchen – into your loan. When shopping for a loan, do not just look at the rate as the bottom line; find out what types of perks different loans offer.


·  Your occupation might get you a better mortgage. Lenders have programs with discounted closing rates available for teachers, doctors, firefighters, police officers and those who are self-employed. Make sure you ask your lender if there are programs like this available for your profession.


·  Veterans: Make the most of government incentives. VA loans are available to veterans of the U.S. military, current service members or former military spouses who are not remarried. The advantages of a VA loan when compared to traditional loans include: No down-payment for qualified buyers, easier qualification process, better interest rates and no requirements to purchase Private Mortgage Insurance. A VA loan isn’t controlled by Veteran’s Affairs, only guaranteed by the VA, meaning those qualified for the loans have a number of options when it comes to lending institutions. Every veteran can and should own a home.


·  Consider your home as the most important investment you’ll ever make.  Every month that you make a mortgage payment you are building equity, which is the portion of the property that you actually own, versus what you still owe. As time goes on, your equity goes up and you can leverage the value to provide college funding, access financial support for unexpected emergencies, or even to purchase an investment property. Your equity also provides retirement security. And as a long-term investment, homes generally appreciate in value, providing a profit when you decide to sell.

A mortgage is not a typical loan, it is a financial instrument enabling wealth creation and access to affordable home ownership. Interest rates on a quality mortgage continue to be below 5% regardless of program. Considering this time in 1997 rates were often over 9%,  this is one of the most favorable times in history to buy a home, an opportunity no one should miss.

“It is not complicated to escape the rental trap, own the perfect home and start building equity toward a better future,” Puthur says. “Homebuyers just need a trusted mortgage professional who can help them make an effective, informed and confident decision. After all, the perfect home is not only where they will make memories, it is a key contributor for growing their family’s wealth and financial security over time.”  

About Joe Puthur
Mortgage Coach President Joe Puthur has been a technology leader throughout the last 15
years. His mortgage industry designs have always pushed the envelope and now he is helping the industry embrace the mobile revolution through Mortgage Coach (www.mortgagecoach.com).

Puthur was the founder and former CEO of Lasso Technologies, a start-up that pioneered bringing Loan Origination Software online. In 2005, Ellie Mae acquired Lasso Technologies to create Encompass Anywhere, the largest SaaS offered LOS. Puthur has been selected multiple times among the “40 Most Influential Leaders in the Mortgage Industry Under 40” by Mortgage Professional magazine.





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 respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Monday, May 22, 2017

Guest Post:3 Tips For Women Worried About Outliving Their Retirement Nest Egg

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.


3 Tips For Women Worried About Outliving
Their Retirement Nest Egg

Few things make retirees more nervous than the possibility their savings could run dry.

And the situation can be even more troublesome for women, who are at greater risk of outliving their money because, on average, they live longer than men. In fact, women over the age of 65 are 80 percent more likely than men to spend their retirement years impoverished, according to a study by the National Institute on Retirement Security.

“Many women don’t realize just how long they may live in retirement and how long their savings need to last,” says Beth Andrews, founder of Networth Advisors (www.bethandrews.info), a financial-planning firm that recently launched the Woman’s Worth® program with the goal of improving the retirement outlook for female clients.

“These days, it’s not unusual for someone to live into their 80s or 90s, and even past 100,” Andrews says. “Your retirement, in other words, could last many more years than you ever imagined.”

Women typically face situations men don’t.

“Just think of it this way,” Andrews says. “Most men die married. Most women die single. Generally, that means men will have someone who’s caring for them right up to the end. Women will be left to care for themselves.”

She suggests a few steps women should consider to reduce their risk of running out of money before they run out of life:

·  Delay Social Security. You can claim your Social Security benefits as early as age 62, but if that’s your plan you might want to reconsider, Andrews says. Taking Social Security early means you permanently will receive a lower monthly payment. Unless a personal situation forces your hand, she says, it may be better to wait until you reach your full retirement, which is from 66 to 67, depending on when you were born. If you can put off claiming Social Security until you are 70, those monthly payments would grow even more.

·  Plan for inflation. Too many people – women and men – think in terms of today’s dollars when they are trying to plot out how much money they will need in retirement. As decades pass and the cost of living rises, those dollars are going to buy a lot less -- so it’s essential that you factor inflation into your retirement planning, Andrews says.

·  Take care of your health. This one might not sound like a financial issue, but medical bills and long-term care expenses can gobble up savings quicker than nearly any other expense. Regular exercise and healthy eating can go a long way toward keeping both your body and your savings account fit.

“There are other things you’ll want to consider as well,” Andrews says. “For example, you may want to put off retirement and keep working longer than you originally planned. The important thing, though, is that you start thinking about what your retirement plan is and what you need to do to help make sure it doesn’t fall apart.”

About Beth Andrews
Beth Andrews, a CPA and Certified Financial Planner®, is founder of Networth Advisors
LLC (www.bethandrews.info).

As an experienced financial advisor, she specializes in the areas of retirement planning, retirement distribution planning, tax strategies, investments and insurance.

 Beth offers investment advisory services through AE Wealth Management (AEWM), LLC.  Networth Advisors and AEWM are not affiliated companies.

She and her husband Todd, a retired millwright for US Steel, have been married for 23 years and live in Eighty Four, PA near their family. Andrews received her accounting degree from Indiana University and started as a financial advisor in 1997. 

 She founded Networth Advisors to help clients accumulate, protect and enjoy their wealth.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.


Please Visit My Child Bride Suzanne's Blog




I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!
Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.
Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 
Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.
 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.
Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Saturday, May 20, 2017

Free! Free! Free!

Our Two Sons
We would like to remind everyone that all of three of our books will be free all day May 22.  This is in honor of our miracle baby, David, Jr.  He is our Marine and we are proud of him.

So, today, Shattered, How to Pay Off Your Debt, and Is Homeschooling Right for You? are all free in the Kindle format.  Remember, you can get a Kindle reading app free from Amazon.

Amazon.com - Read eBooks using the FREE Kindle Reading App on Most Devices






If you would like for me to pray for you, please drop me an e-mail by clicking prayer.


Please Visit My Child Bride Suzanne's Blog




I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Hey Christians, We could use your help!

We recently wrote a review about the book Crazy Stressed.  Because we pointed out that the author uses God's name in vain several times in the book, we are getting creamed in the helpful votes.

Normally I don't care about negative helpful votes.  I figure, to each his own  But in this case, we are getting creamed because we are trying to stand up and say what we feel is right.

If you would please go to the review and, if you can see that it honestly is a helpful review, please vote yes.  Otherwise, do what the Lord leads you to do.  Thank you.


https://www.amazon.com/review/R30MZYA81UHI81/ref=cm_cr_rdp_perm

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.

Please Visit My Child Bride Suzanne's Blog