HBB Finance

Saving Money in HBB

The value of money cannot be underestimated. In a recent national survey, more than 96% Americans agreed that early monetary savings would help one achieve a fruitful and stable life.

Saving is a way of insulating oneself from the many symptoms of health and natural adversity. While an average youth of yesteryear thinks more about short-term financial goals such as purchasing a new pair of signature shoes, owning a new jet ski or a brand new car, statistics show that more and more are starting to realize the importance of keeping a personal savings.
Long terms goals are described as goals that have a lasting effect should a persons present actions be religiously maintained. 
The following statements are outlined to provide information and tips on how you can start up your money-saving gimmicks and ensure a happy and financially stable future and list the reasons as to why saving money should occupy a greater place in our list of priorities in life. 
Reasons for Saving:
Saving for your Future and Present Needs  Saving today will provide you with flexible financial resources in the future.
Keeping at least 20% of your monthly earnings while using the other for your household, personal and unexpected expenses will surely play a big part in your pursuit for a stable future. 
Saving for an Investment Need  Savings can also be a source of your future capital for engaging in business enterprises. 
It will provide you more opportunity for venturing on your unexplored talents and earn you a huge potential in increasing your money exponentially. 
Saving for your Retirement  More than 23% of todays elderly were shown to have failed in one instance in their lives, to save and strategically used their money for preparing their way to retirement. As a result, these folks extend their entire retirement career working on an equally satisfying job that pays them enough to cover their basic expenses. 
Keys to Fulfilling your Saving Goals: 
No matter how good our intentions and objectives for saving are, we should also take note that goals can fall and touched the following baselines or characteristics.
Attainability  Goals should be something attainable and one which can be achieved without you doing something extraordinary or illegal. A little amount of patience and hard work are key. 
Consistency  Changing your goals from time to time due to incidents that may arise in the near future are sure ways to deterring your intention to save. 
While we need to focus on the present incidents, we also need to take hold of our original intention and continue until you have gained enough leads to get it. 

A Short list of Points before Starting a Home Based Small Business

Keywords:home business career, income opportunity home based business, home decor business, direct sales opportunity, home based businesses for women, home based business residual income, home based business.

Starting a home based small business is like living an American dream where money making and living a desired lifestyle is the best of anything.

A small home business does not mean something totally new. We have been doing this job since childhood. Our small jobs included babysitting, delivering newspaper, tutoring, etc. But once we become adults, our aspirations change, dreams change, demands multiply, hence, we have to strategically plan a right kind of home based small business.

We have all been brought up with great corporate dreams. That way we are conditioned and educated - to live a life with corporate benefit packages. Recently, there has been a shift from corporate dreams to having one’s own, may be a small business. Because, freedom of work is as important as the monetary benefits.

Today, we prefer to a proprietor being self-employed. Late hours, official compulsions and job dissatisfactions leads many of us to something on our own. Besides personal difficulties, as adults we have to oblige our family also. We need to be with our spouse, kids, other members of our family, and friends.

Home business industry is booming fast at the rate of 17% annual growth. But, it is not free from scams as majority of home based small businesses run via internet. It is prone to be abused. Recently, safety and security of the online home based businesses are strengthened by various affiliate programs and laws.

Things to Consider before Starting a Small Home Based Business

•    Type of Business: Thousand are the ways of life. Which one would you choose? Really difficult. Jot down your likes, dislikes, experience and assets. Rough plan the possible number of small businesses.
•    Time Factor: Your own home business definitely provides your flexible timings which is not possible in working in a corporate office. Still you are in the difficulty in choosing one from full-time and part time home businesses.  You can schedule your work hours after considering all your household activities and business requirements.
•    The Budget: Well, you are going to start a small home based business. But, how small, or for that matter how big is your small business? Nature of your home business and the amount of capital you have, determine your future course. As per your standing, you will plan startup costs, obtain loan or invite a partner.
•    Research: Reading this piece of literature shows that you are interested in home businesses, and you have some idea regarding the your kind of business. But the first to investigate and research different home based businesses. You can definitely search internet for that purpose.
•    The Plan: Planning is the final sketch. It might consist of the course of actions, description of the service/product, and the volume of business as per your qualification and capabilities.
•    Putting into Action: After you have completed your plan. Activating the plan  and its success is dependent on foundation of plan. In case you might not act properly, solid plan will save you from potential losses and/or setbacks.

  

A Small Home Church Pastor Making Tents - Home Business Blog

Keywords:computer software, cookbooks, home business blog

Hi my name is Pastor Jeff Earls. I pastor a small home church in Canada and resourses are limited so I am in need to 'make a few tents' so my family and I are not a burden to our small group. I have noticed over the years products found online that I thought worth the money for the cost and wondered how I could market them so I also may tap into a way to bring some food to our table without taking away from the ministry. This is what I came up with. I started this blog for products I promote. Also it is a place others can place their products on this blog freely

Quick Guide to Children's Furniture for the Bedroom or Playroom

Keywords:kid's chairs, kid's loveseats, kid's recliners, kid's rocking chairs, kid's sofas, children's chairs

Whether you are looking for bedroom furniture or family room play furniture you will find many conventional and unusual choices.

Where to start

If you would like to look at the products, take your child to the local department stores and see if they have what you want. If you don't have time to shop or don't live conveniently close to stores, there are many online catalogs with endless choices and unique designs.

If you are decorating the child's room, decide what color paint you want and what theme you will use. You could let the child choose these so they will enjoy their own special room. Choose fabrics for your children's furniture that will take wear and tear, and wood that matches your other furniture. Functionality and durability are important in choosing the style you will buy. Buying good quality furniture is important if you want it to last for many years. If you have more than one child using it this is especially important.

Making Choices

Children will feel very grown up with their own seating such as kid's rocking chairs, kid's recliners, beanbags, and even small kid's size sofas! When choosing the children's chairs, pay attention to the craftsmanship and make sure they are sturdy. Also, make sure they don't tip over easily or have a high back that the child can tip over. Having their own chairs will give them a place to play video games or watch their favorite movie.

For more seating, you might want to add a child size table and chairs. This will give the children their own place to eat, color, make crafts or look at books. These come in formal wooden table and chairs or more casual styles such as picnic tables or brightly painted sets.

Durability and Safety

When buying children's bedroom furniture it is again important to look at the quality of the furniture. Make sure it is sturdy enough to withstand children playing and the normal "monkeys jumping on the bed." If you buy furniture that is plain and not overly ornate, you will be able to add pieces to it as your child grows. For instance, when they are little you might want to buy a toy box with it. Later, when they are older, you might want to add a computer desk and chair. Or, if you were not able to purchase all the pieces you want the first time, you would be able to add more as you desire.

It is also important when selecting children's furniture to notice any safety hazards. Some toy boxes have lids that are heavy and do not have a way to hold them up. Check these carefully because harmful accidents have occurred. If you see any other possible hazards look carefully before buying.

Keep these tips in mind when buying children's furniture and you'll find safe, enjoyable furniture that will endure years of child's play!

A Single Mom's Guide to Home Improvement

Keywords: women, single mom, home improvement, repair, home maintenance, home improvements

When I bought my house nine years ago, my son was about to turn three and I reveled in the security of owning my slice of the American dream. Being a single mom was (and is!) both challenging and rewarding, but I knew that having a house to call my own was the best thing that ever happened to my son and me.

My house was ten years old when I bought it, and it was in excellent condition. Still, as time passed, a variety of issues cropped up. I think my way of handling (or not handling) home improvements is fairly typical for single women who own their own homes. Hopefully, my experiences will help you navigate the waters of home improvement. Here's what I've learned:

1. You can go places with a good book and a toolbox. The Christmas of the year I moved in, my sister and brother-in-law gave me a toolbox filled with the basics: screwdrivers, wrenches, a hammer, nails, nuts and bolts, and so forth. They also gave me a book on basic home repairs. Their gift literally provided me with the tools I needed, but it also gave me confidence that I could tackle minor home improvement projects. My advice: invest in some tools and use a book or online sources to guide you through the routine maintenance that your house requires.

2. Ask for advice. As a single woman who is now 49 years old and has limited knowledge of more complex home improvement issues, I'm always afraid that I'll be taken advantage by a repair company. When my air conditioner conked out on a 100-plus degree day, for example, I had no way of knowing if I really needed a new unit. I've learned to call on neighbors, family members, and friends - whose collective knowledge exceeds mine - to get their impressions. They've steered me in the right direction on a number of occasions.

3. Keep tabs on the neighbors. All of the houses in my immediate vicinity were built by the same builder at roughly the same time. Getting to know my neighbors and talking to them about home improvement has helped me get a sense of what to plan for. For example, two years ago I began to see that the houses around me were starting to get new roofs. Although I didn't have a leaky roof, a few months ago I decided to re-roof. I wanted to be proactive so I didn't get stuck with the expense of drywall repairs in addition to the cost of a new roof.

4. Ask for referrals, and then check them yourself. Through my neighbors' referrals, I've been able to find a superb roofer, an impeccable exterior house painter, and a terrific tile guy. But I don't just rely on their word. I always - repeat, always - check with my state's contractor licensing board to verify their licenses and with the Better Business Bureau to check on past complaints. I get all estimates in writing, and ask for proof of insurance.

5. Don't put your head in the sand. There has been more than one occasion when I've chosen not to deal with a home improvement issue, and I've always regretted it. I knew, for example, that the exterior of my fireplace had some dry rot. Unfortunately, by letting it go for so long it cost me much more than if I would have dealt with it immediately.

6. Make a list. This last bit of advice is basic, but critical. Start and keep a home improvement list. As a single mom, it's all too easy to get caught up in the hectic pace of daily life and let routine home maintenance fall by the wayside. I divide my home improvement list into three sections: one for items that need attention in the next three months; one for home improvement projects for the coming year; and one that maps out what I want to accomplish with the house over the next five years. The short- and medium-term lists keep me motivated, while my long-term list helps me save the money needed for the big-ticket items.