Whether downsized, outsourced or sick and tired of cubicle hell, more people are earning their living by working at home. The work at home industry is booming with a diverse lot of income opportunities. People of all skill and education levels can find a niche in this market.

Telecommuters

Technology has enabled former office rats to do their work at home. Armed with a computer, fax and telephone, employees from back office data entry to management staff are able to perform part or all of their jobs at home. The telecommuting option is appreciated by workers as it allows them more freedom and control over their day work and more time to spend with families. Companies find that this set up often improves employee morale and productivity.

NetWork

To Make money via the Internet has become an increasingly popular option in the work at home industry. Chances are you know someone who sells merchandise on eBay. Many online merchants are working out of their homes. The Internet offers a wealth of opportunities for writers to earn a living from their home. People with an Internet based career often start on a part time basis while working their regular office gig. Once their “web job” takes off, they escape the office grind for full time work at home.

Home Base

Another option in the work at home industry is a home-based business where you go out in the field to provide services for customers. This is a wide open opportunity. Think of any product or service that people need and viola, you have a business. The senior population is exploding. Start an elder service that helps seniors with light housekeeping, grooming and transportation. Two career families and busy folks in general equal a business for you running errands such as shopping, chauffeuring kids and picking up dry cleaning.

You can strike out on your own with these home based businesses or buy a franchise. Franchises offer a brand name people know and trust along with marketing support from the headquarters office. Start up costs can be out of reach for a lot of people, however, there are hundreds of franchise options in the work at home industry that will fit with small budgets.

Scam Alert

The Internet and print and broadcast media are full of ads for great sounding work at home opportunities. Sadly, this industry is full of scam companies that advertise high income home based jobs. Some ads are specific while others are vague and keep you in the dark about the exact nature of the pie in the sky venture.

Remember, if it sounds too good to be true, it probably is. Do your research before you plunge into any work at home opportunity. Talk with others who are working from their homes. Check out franchises or Internet opportunities with the Better Business Bureau. Despite the scam artists, there are thousands of options in the work at home industry and one of them will suit you.

Obinna Heche
http://www.articlesbase.com/home-business-articles/ways-to-make-money-online-working-at-home-59259.html

Trying to juggle work and family in one space can be overwhelming. There never seem to be enough hours in the day to complete everything that needs to be done. One debilitating result of a busy environment is clutter.

Cluttered surroundings affect us deeply, both mentally and physically. When we’re surrounded by disorder, we feel confused, drained, exhausted, and overwhelmed. We feel like we’ve got an avalanche hanging over our heads, ready to start the deadly slide at any moment. Who can work effectively in surroundings like these? Yet most of us do it day after day and wonder why we’re not as productive and efficient as we know we could be.

Neatness and organization seem to get pushed to the back of the list when we know we have more important things to do. Most of us are busy caring for the children and/or spouse, working on our jobs/businesses, running endless errands, and keeping up with recreational activities for the kids, spouse and ourselves. Who has time to organize?

However, tidiness is one thing that many of us can do RIGHT NOW to boost our business efforts. If I told you that keeping your workspace neat would virtually guarantee you a pay raise, would you be interested?

Cluttered surroundings dampen our enthusiasm, creativity and energy. Clearing away the clutter creates a harmonious atmosphere, so we feel energetic, happy, and peaceful – and therefore we are able to think more clearly, and get more done. Which, in most businesses and jobs, will equal more income (whether short term or long term).

Once most of us understand this, we go on a mission of organization. We clean, we fill trash bags with junk, we sweep, vacuum, and dust. Finally, we have a beautiful, clean desk! How long does that last? If you are like most of us, not too long. In no time at all, you’ve got piles of paper that need to be filed again, to-do lists, idea files and more, all balancing precariously near the edge of the desk. You’ve got sticky notes tacked up all over your monitor, cork board, printer (and even your forehead, if you’re particularly forgetful). What happened to our mission of organization? How did the clutter creep back in so quickly?

What most of us fail to understand is that clutter does not exist solely OUTSIDE of us. Our outer clutter is simply an extension of the inner confusion and chaos of our own minds. We feel overwhelmed, busy, stressed and rushed, so we don’t have time to focus on the “little details” of our lives. As our jumbled desks can testify, those little details add up to a lot when they are neglected for any length of time!

In order to permanently solve the clutter issue in our lives, we must first tackle the “jumbled thought syndrome” of our own minds. This is not a one-time task, however. It is an ongoing one that we must work on every single day. Consistent, small efforts will pay off in big ways. Think of it as maintenance, like showering. You wouldn’t go a whole month without showering, and then take 31 showers in one day, would you? You need to do it every day. Tackle your clutter and chaos in the same way.

Here are five tips to help you do just that:

1) Use a planner/notebook. This doesn’t have to be an expensive, leather-bound organizer unless that’s what you like to use. A lined, 6″x9″ spiral bound notebook works just as well and you won’t be afraid to mess it up with your scribbles. Have a “calendar” section, where you designate one page for each day’s activities. Write down appointments, work assignments, errands, and anything that needs to be done that day. Also have sections for ideas, future projects, goals and anything else that fits your business and family. This planner serves as a place to organize your ideas and tasks so they aren’t running rampant through your mind while you’re trying to be productive.

2) Spend 15-30 minutes DAILY picking up, putting things away, filing paperwork, and neatening your workspace. That seems like a big challenge when you’ve got so much to do, but small, consistent effort in this area will pay big dividends. The objective isn’t to be a “neat freak,” but rather to eliminate clutter and create a harmonious environment.

3) Beautify your workspace. Do a good cleaning once a week: vacuum, dust, wipe down your computer monitor, printer and the surfaces in your office. Then light a scented candle or some sweet-smelling incense to enhance the peaceful atmosphere. Buy some pretty flowers for your desk, or some inexpensive watercolor prints to hang on the walls. Making your workspace beautiful is one deterrent to being chronically messy.

4) Expect the Unexpected. Sometimes no matter how much we plan and prepare, things will come up that take us by surprise and force us to rearrange our whole schedule. When this happens (and it WILL), accept it. Do your best. The great thing about making consistent efforts to be organized is that surprises like this are no longer so overwhelming. When we’re already overwhelmed, the unexpected can be the straw that breaks the camel’s back! But when we’re on top of things for the most part, it becomes a little something we deal with and move on.

5) Take time to dream and think. Remember that clutter and chaos are the result of a confused, overwhelmed mind. We need time to ourselves to just think, be, and dream. It doesn’t have to be massive amounts of time, but at least 30 minutes a day. Get up a little earlier, or stay up a little later and just sit quietly, alone. Breathe deeply, empty your mind and enjoy the quiet. Some of our best ideas come from moments like these. Keep a notebook handy during your quiet time so you can jot down anything you don’t want to forget.

Understand that organization and tidiness are habits, just like chaos and clutter. If you want to change your business results, change your habits. New habits take time to fully integrate in our lives, but one bright day in the not-so-far-off future, we’ll realize that we’re going through the motions on autopilot. We did it, we conquered our clutter! Until then, just remember to breathe and take it one step at a time.

Wendy Betterini
http://www.articlesbase.com/business-articles/get-organized-and-earn-more-money-86177.html

The current economic crisis is making everyone think about how to protect their money and the financial security of their family. Here are 45 tips to protect your money during and after an economic crisis. These tips have been taken from Surviving the Debt Crisis.

1. If you wish to achieve real wealth, focus on acquiring assets that are valued by other people. Concentrate on allocating you money across different types of assets, including some whose value might rise where others that you have face a fall in their value.
2. Decide whether you might be better off making extra mortgage payments or putting that money into investments.
3. Be careful with investments; do not fall for flattery or let yourself be convinced by claims that their past performance is necessarily a true indicator of future prospects.
4. If you get plenty of money, it is advisable that you invest the entire amount at once and not with intervals between. Diversify your investments as suggested in Point 1.
5. Making big investments just to avoid taxes is a decision that requires careful consideration and access to premium, probably high-cost professional advice.
6. If you plan to studying in college, compare the college saving plans to find those which give you the best options.
7. Coins are “little savings”, so do not spend them. Try saving coins and use the paper currency; you will see that you have effortlessly saved more by the end of the month.
8. Buy a house only when you are willing to move into it immediately and live for at least a minimum of five years.
9. Instead of hiring young members of your own family or giving them a portion of your money when they are young, place your inheritance into a trust until your minors are sensible enough to handle the money.
10. Supermarket coupons can be a great help, provided you know the right way of using them.
11. Do not run after high returns without considering that ‘A great reward may have a greater risk’.
12. Have you noticed people who buy lottery tickets each day? Buying more tickets does not significantly increase your chance of a major prize but inflates your risky investment significantly.
13. Both parents working may seem to be necessary at the moment, but you may not think so if you calculate the extra expenses involved such as lunch, commuting, wardrobe, childcare, etc.
14. Be careful which pension plan you opt for. Check that the agent is not selling you insurance instead of a pension.
15. Check out your life insurance policy and whether it is a good investment. Remember, an insurance policy is to protect you and not just for the company and their agent to profit from you.
16. Maintaining your investments through all cycles is the key to being invested in the right time. This may make your success rate higher rather than investing and then withdrawing from time to time because of the fees and other costs at each change.
17. Avoid using a credit card as much as possible, because you end up spending extra with it. Instead, you can go for a charge card, which makes you pay what you spend each month.
18. When you plan to buy a home, go for a buyer-broker. Realtors are the ones who represent the seller, unless you are hiring a buyer-broker who is the one who represents you.
19. Investing the same amount regularly is said to be the best way of using dollar cost averaging.
20. Instead of a fifteen-year mortgage plan, go for a thirty-year mortgage if the longer mortgage means lower monthly payments and a higher tax deduction.
21. Consider applying for a systematic withdrawal plan rather than applying for bonds if this will provide a steady flow of income even after your retirement.
22. Check that your bank accounts are insured federally. The FDIC, or the Federal Deposit Insurance Corporation protects deposits up to around two hundred fifty thousand dollars per person. If you have, more than the secured amount, you may spread it through various banks.
23. If you want annuities, consider sticking to the variable and not the fixed type. A fixed annuity has a fixed return but a variable annuity gives you a chance to earn the full return.
24. Grandparents often plan college funds for their grandchildren but, I believe that this requires very careful thought beforehand.
25. Do not purchase a mutual fund just because it is highly rated. Different funds, even a mutual fund that has just a single star may do exceptionally well in certain periods.
26. The money that you may need in the next two years must be cash or fairly easy to convert to cash. The stock market is not a place to store the money that you might need immediately.
27. You can invest globally, not just in the U.S.A. exchanges.
28. Keep a careful eye on your family budget; try to reduce your expenses, curtail your restaurant meals and other un-necessary expenses that may cause a future burden.
29. When you want financial advice, only accept it from a registered investment advisor. A stockbroker is not the right person to advise you on your general finances.
30. Write a check for yourself and save it first. This is an efficient, almost painless, way of saving.
31. Do not include your child’s name is investments or bank accounts; this may mean that your other children might be disinherited and might cause tax problems.
32. When you sell a home, go to a qualified realtor and get referrals from people you trust.
33. Do not buy real estate investments with borrowed funds.
34. Stopping your PMI when you have around 20% of the equity on your home left might save many hundreds of dollars.
35. Buying mortgage life insurance should be considered carefully. Separate insurance might be a better option.
36. If you contribute to a nondeductible IRA account is not a great idea, maintain a proper record or you may suffer serious losses.
37. If you are 62 years of age now, you may be able to take a social security instead of waiting until you are 65.
38. Money handling processes have changed, so do not stick to how your parents handled their money.
39. While getting a pension, consider choosing a lump sum option where you can take control of your money and your future.
40. While leasing the car, consider not paying for the cap cost reduction and perhaps get gap insurance instead.
41. Saving money in your child’s name may not be a good idea. You will have to part with the money once your child turns 18 or 21.
42. Instead of saving for your children’s college costs, consider starting to save for your own retirement first.
43. Investing in a QTIP trust might be a good way of protecting your kids and spouse.
44. Consider taking a policy that provides five or six years benefits instead of investing in long-term care insurance.
45. Do not panic or worry; this will take you nowhere. It is not necessary that you take in all the gloom that the media throw at you.

Learn how to better protect you and your family in the current crisis, with this informative and easy to understand e-guide to Surviving the Debt Crisis.

Craig Maugham
http://www.articlesbase.com/wealth-building-articles/45-tips-to-protecting-your-money-during-after-an-economic-crisis-701108.html

New York City has more jobs in the taxi cab industry than any other place in the country. Yellow Cab of NY, is New York’s biggest cab company and industry employer. The New York City Cab industry employs thousands of people, from cab maintenance workers, cab dispatchers, cab auto body repair, mechanics and much more. There is even a large Pedicab industry in Manhattan. I personally believe these pedicabs have no place in a big city and are dangerous.

New York City Cab Driver licenses are not as easy to get as you might think. The cab industry is heavily regulated to protect the passengers and the image of the Big Apple. New York City Taxi School is a must to help you learn the business of being a NYC cabbie. Most NYC cab drivers began their careers at New York City Taxi School.

I drove a cab for years before trading it in to work at home. I don’t think I could ever drive a cab again after getting bitten by the online sales business. As a matter of fact, the recent murders of three New York City Cab drivers has convinced me that I made the right decision to leave the biz.

After careful consideration, I have decided to share with all how I made the transition from Cab Driver to online marketer through a series of articles.

I asked myself some important questions one day while driving my cab and my answers lit a fire inside of me.

I asked myself these very simple questions:

• Did I want to work the long hours a cab driver puts in for the rest of my life?
• Did I enjoy the dangers of driving a New York City Cab  knowing my life could end if I picked up the wrong passenger?
• Did I enjoy being away from my family for more that half of my life?
• Did I  earn enough money every year so that I can take a few months off to vacation with my family?
• Did I have a retirement fund that would carry me through my golden years ?
• Did I have money saved so I can put my kids through college?

After answering no to every one of the above questions. I knew that I had to make the move and try to find a way to make a living doing something else.

After reading a few ebooks on internet affiliate marketing  I decided to give it a shot. Rather than invest any of my own money,  I choose to become an affiliate marketer because there is no startup costs involved. What this means is you market products online that you don’t own and when a sale is made, you get a commission. Sort of like have a regular sales position except I had no boss.

I ended up joining WA which is the number one resource online for affiliate internet marketers. I discovered WA by chance and it has saved my life. If your serious about making money and changing your life then you need to act now. I had no experience in internet marketing when I started. I made my first sale only 2 weeks after I started and the rest is history.

I will be writing more articles on my journey from NYC Cab Driver to internet marketer in the near future. I think my next article might be on how I earn $2000k to $4000k a month placing free marketing ads on Craigslist. The best part is I only spend 4 or 5 hours a months placing ads on Craiglist to make this kind of income. I also have other free websites I use to market my products  and will reveal more about them in my future articles.

If you are ready to make a change in your life and wallet then visit WAU and see what they have to offer. There is a great video on the website that you can watch for free to see if  this business might be something that would interest you. Check it out. It is not like it will cost you anything to watch it.

If you are interested in learning more about internet marketing and WA here is the link to the website.

Best of luck to all!

A Wealthy Affiliate Cab Driver
http://www.articlesbase.com/careers-articles/nyc-new-york-city-taxi-cab-driver-jobs-employment-advice-before-you-drive-a-new-york-yellow-cab-or-attend-new-york-city-taxi-school-read-this-1242082.html

Everyone faces those days when it is just easier to eat out than go home and cook. In today’s fast paced society, it can be very hard to have time at the end of the day to fix a four course meal. However, this can be an expensive habit if you go out often. There are steps you can take to lower the tab when you just need a break or you are treating yourself to a night out.

Cut Out the Soda

 

Soda is one of the highest marked up items on any menu. Most restaurants will charge almost two dollars for one drink and some don’t even offer free refills. When you consider that for a party of five that is an extra ten dollars on the check, you will probably agree that water is a much better choice. The other option you might consider is purchasing a meal that includes a drink.

Deserts Are a No-No

Many deserts cost almost as much as the main course and very few people ever finish them. You are much better off to wait until you get home for something sweet or stop somewhere and buy a whole cake on the way home. You can usually buy a whole pie or cake at the grocery store for less than the cost of four slices at a restaurant.

Learn To Share

Sharing large entrées is a great way to save money on a meal. Many restaurants offer large portion that end up going to waste. This is a great idea if you have children or babies. Rather than buying a kid’s meal you can just ask for an additional plate. Be aware some restaurants frown on this practice and will charge for an additional plate.

Take Advantage of Kids Night

If you will be eating out with kids look for a restaurant that offers free kids meals or very cheap ones. Some companies have one night a week that they designate as kids day and all kids under 12 eat free. You can also look for restaurants that have special kid’s menus. These menus will often have many of the same items on the adult menu, just at a scaled down size.

Limited Time Specials

Some restaurants will offer limited time deals like buy one get one free, or two meals for a set price. You should also check for the special of the day. In most establishments, one meal is offered at a discounted rate each day. You might even find some restaurants offer a free appetizer or desert with your meal. These specials can be a great way to stretch your dollar a little further.

Download or Buy Coupons

There are two types of coupons to be considered when you are considering going out for dinner. You can download regular coupons online for special savings or free items with you meal. However, you can also buy coupons or gift cards for many places online. Check your local radio or television site. With these deals, you can purchase a certificate or coupon to spend twice as much as you pay. For example, if you buy the coupon for 25 dollars you get to spend it for 50 dollars.

Joe Deacon
http://www.articlesbase.com/food-and-beverage-articles/money-saving-tips-for-food-and-drink-expenses-690109.html

Just about two days ago I printed out flyers and stuck them in everybody in my neighborhood who had a little child’s mailbox. Well two days later comes and I haven’t heard a thing! I put my telephone number on there too. No I need another way to earn money. I’m not mowing lawns. I’m 12 years old and need some quick cash! Any ideas?

Make babysitting flyers using the computer and put them in the library, people’s mailboxes, and grocery stores.

Drum up more business and keep a notebook to schedule when you do get a customer.

Culver’s minimum hiring age is 14 with a workers permit.

I called many stores because I am 14 looking for a job. This was the response they gave which makes me happy after looking for so long.

Find a local one go online and apply and go in store to apply or call and ask if they are hiring.

What I did was Google a bunch of business near my home and found their numbers using Google maps or their sites and I called and directly asked if they are hiring and what age do they hire at.

Try local grocery stores, pizza parlors, retail stores, fast food restaurants.

If a child needs money fast, what are some good ways to make a lot of money…fast. There is little snow here, so shoveling walks is out. Anything else? I hate getting asked for money…

1. Craft Maker
Are you a whiz at jewelry making? Can you carve children’s toys out or decorative figurines out of wood? Do you paint beautiful pictures? Whatever your favorite craft may be, selling it online makes good sense. It’s a great way to earn extra money doing something you love and would probably do anyway.
#2. Seller–Online Auctions
Cooperate with your parents to organize a grand housecleaning and sell all your family’s "gently used" junk on eBay. Create each listing carefully, taking pictures of each item and doing a little research to discover what similar items are selling for. If your eBay business is successful, you may decide to keep it going. Some eBay-ers spend their weekends checking out garage sales for cheap items that might fetch a decent price online.
#3. Technical Assistant
Does your dad call on you when he’s trying to program the TV? Did your mom rely on you to get her online when she bought a new computer? If you’re a techno whiz, people will pay you handsomely for your assistance and advice. You can set up electronic gadgets and banish their gremlins when they go awry.
#4. Writer
Do you have a secret fetish for the English language? Are spelling and grammar your secret turn-ons? If so, there’s plenty of money to be made as an online writer. You may find yourself paid to post in online forums, writing keyword-rich web materials, or even writing articles that will appear with your byline. In addition to earning money, this job is just the kind of thing that looks good on job resumes and college applications.
#5. Translator
If you speak two or more languages fluently, offer your skills as a translator. Many freelance sites regularly advertise for people to translate materials written in other languages into English articles, brochures, and pamphlets.
#6. Baker and/or Caterer
Do you have a special knack in the kitchen? A secret recipe that makes hamburgers taste like the finest steak? A flair for serving attractive-looking plates that would make Martha Stewart turn green with envy? If so, your calling may be in catering or baking. Cater an entire dinner event or sell cookies by the batch.
#7. Babysitter
Are you good with kids? If so, your talent may be babysitting. You’ll be the most in-demand babysitter on the block if you charge a fair hourly wage and keep the little ones happy and entertained.
#8. Personal Assistant
Are you organized and honest? Can you keep your mouth shut about other people’s personal business? If so, advertise your services as a personal assistant. You may be trusted to help with tasks like paying bills, scheduling appointments, tidying up someone’s work area, doing the week’s grocery shopping, or dropping off and picking up dry cleaning.
#9. Paid Companion
Do you enjoy visiting your grandparents and hearing them talk about the good old days? If so, you may have an ideal personality to provide companionship to a senior citizen. Many older people who are physically frail or becoming forgetful rely on the services of companions to keep them in their homes.
#10. Handyman/woman
Are you good at odd jobs like repairing loose shutters, cleaning out gutters, or fixing blown circuits? Perhaps you can offer your services as a general handyman/woman. Jobs may include painting, fixing broken appliances, helping out with minor plumbing problems like a clogged toilet, or making minor home repairs.
Of course, these aren’t the only fields in which you can make money. They are just ten general ideas out of literally hundreds of home-based teen-owned businesses.

Making Money:

1.Selling lemonade
2.Selling toys at a yard sale
3.Bringing their old clothing to consignment
4.Growing and selling produce
5.Growing and selling flowers
6.Lawn mowing and yard work
7.Selling pencils, stickers or small toys (get them in a gross at Oriental Trading or at a wholesale supply)
8.Cleaning out someone’s garage
9.Baby sitting
10.Pet sitting and dog walking
11.Raising and selling small pets, such as birds or rabbits (check your town’s regulations, and make sure your child is responsible)
12.Raising chickens and selling eggs
13.Carrying groceries up apartment stairs for people
14.Gathering change around the house
15.Baking and selling muffins or cookies
16.Sweeping sidewalks and driveways
17.Painting fences
18.Teach a skill, such as swimming or computers
19.Make and sell greeting cards (check with a local business and ask if you can sell them there)
20.Take instant photos at an event, such as a fair or festival
21.Tutor someone younger
22.Make and sell jewelry
23.Weed gardens
24.Deliver newspapers
25.Wash cars
26.Type papers and documents
27.Be a party entertainer (magic, clown, etc)
28.Be a party helper (help harried parents with setting up a birthday party, serving food, corralling young kids)
29.Face painting
30.Mother’s helper
31.Snow removal
32.Mr or Miss Fix it (assemble bike

I can’t do a lemonade stand cause my mom will yell at me also i can’t do a car wash and I’m 12
no im not going steal and for pete’s sake sum of you have sick minds and my mom won’t give me money tried that
Also I never get money for my birthday or even christmas. My parents belive I have to make my own money

You can buy boxes of candies or gum and resale to your classmates. One of my son’s friends did it and was able to increase his spending money this way. The next time you get some money for a birthday or whatever reason buy the type of candy that your friends like and make a profit.
If you know how to braid hair, you can make money from that too.
You can tutor a younger relative for money. You can ask relatives if they have anything you can do for them for money.