Showing posts with label cover. Show all posts
Showing posts with label cover. Show all posts
Thursday, September 24, 2015
How to Make Extra Money Cleaning Houses
Gather your essential cleaning supplies. While many customers will provide the cleaning tools for you, such as a vacuum cleaner, you'll want to have items on hand anyway. The basic cleaning toolkit should include a mop, broom and dishpan, dust wand or cloth, vacuum cleaner, paper towels and cleaning products. The main cleaning products are dust spray, window cleaner, carpet spot-treatment spray, bleach and all-purpose anti-bacterial spray. These tools should cover most cleaning areas, including living rooms, kitchens, bathrooms, windows and mirrors, and floors.
Set your pricing structure. You can choose between charging by the hour, by the room or by the home. Research the market rate for local cleaning services by looking up rates on other cleaning business websites, or by calling your competitors and acting like a prospective customer. You also might want to break down your prices by the actual type of cleaning service. For example, if your customer wants you to steam clean her carpets, and you have to rent the machine to do so, this type of service should cost more than regular vacuuming.
Decide upon your cleaning hours and schedule. If you have other commitments, such as school, a full-time job or kids, then you don't want to overbook yourself. You should reserve specific days and time slots that will be available for your part-time cleaning gig. For example, you can reserve Tuesday and Thursday evenings, as well as Saturday afternoons for cleaning jobs.
Create your customer base. Reach out to friends, family members and co-workers and let them know that you're looking to find cleaning work on a part-time basis. Call local nonprofit organizations, such as women's shelters and churches, to find out if they have any cleaning needs. If you don't have any leads from any of these groups, consider calling an established cleaning service and applying for part-time work. You can also post your services on free online job boards, as well.
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Sunday, September 20, 2015
How to Make a Budget With a Commission Income
List your set monthly expenses in one column. These are your necessities, including food and gas for your car. Create a second savings category where you will put money each month to cover your low months. Finally, list your luxury expenses in a third category. These expenses may be eating out, clothing and entertainment -- expenses you can manage without if you needed to for a month or two.
Take the total amount you make in a year and divide it by twelve. Your entire budget should be equal to this amount or a bit less to cover your expenses. Look at your lowest pay period for a month. You need to set aside money to cover the difference for this month and other low months.
Look at your pay periods and determine how many of the months are equal to or more than your set budget. Then determine how many are less than that amount. Add up the amount you are short for all of your lower income months. Divide that amount by your good months. You need to contribute that amount to your savings category to cover your low months before you spend on luxuries.
Compare your commission for the next month with your current budget. Assign each expense listed an amount until you run out of money. Contribute to your savings before you spend on luxuries. If you fall short, transfer money from your savings category to cover your necessities for the month and do not spend on luxuries.
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Friday, September 11, 2015
How To a Earn High School Diploma at Home for Cheap
Gather previous high school records. If you started but didn't finish high school, some of your old credits may transfer to your new online school. Also, some online degrees will offer credit for work experience. (See Reference 3) If you never attended high school and don't have any professional work experience, it is likely that you will have to start from the beginning. (See Reference 1)
Set a goal for yourself. Decide how many years you want to spend working for your diploma. You must complete around 16 credits before you can get your degree. (See References 1) If you are working, have kids, or other responsibilities, you may want to take more time working on your degree. If you have transfer credits, your enrollment time may be significantly less. Also, consider what type of degree you want. Some are designed to merely give you a diploma. If you want to go to college, expect to work for at least 24 credits. (See Reference 2)
Create a budget for the program. Look at your finances and see how much you can afford to spend to get your degree. Look for financial aid or scholarships. People or businesses in your community may offer assistance for your endeavor. Some sites may also cover up to 33 percent of your tuition by means of financial aid. (See Reference 1).
Do research online for diploma sites. Consider legitimacy and price when researching. You may only want a degree that is globally accredited. Also, look at what is offered by the site besides courses. Some will offer special amenities when enrolled with their online high school. Look for hidden costs such as enrollment fees, transfer fees, and classroom fess. Hidden costs will add up over time and can be incredibly burdening. Make sure you can access the site at all times of the day. Some sites also offer student guidance programs. These extra amenities are extremely valuable and should not be overlooked. (See Reference 1)
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Stick to your graduation plan, but remember to balance study and class time with other parts of your life. While achieving a degree is the ultimate goal, you cannot let it affect the relationships with your friends and family. Toward the end of high school, consider what your goals are: is it working, college, or trade or certification school? If you want to get a job with your new diploma, begin looking around your area. Pick up a couple of applications. Ask employees questions regarding employment experience. You should also verify that the company will take your diploma. If you plan on attending an institution of post-secondary education, begin choosing a major. Also, search for scholarships and financial aid. Contact schools that interest you and ensure that they will take your high school diploma.
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Thursday, September 10, 2015
How to Make Money by Jobbing in the Stock Market
Open a brokerage account that lets you buy and sell stocks and bonds. You can opt to work through a traditional brokerage account, where a broker provides personalized service and advice. The fees for a traditional account often make them prohibitive for the frequent buy-and-sell pattern of stock jobbing. Online brokerage accounts, which provide minimal personalized service and advice, provide the advantage of much lower fees for trading, which lends itself to jobbing.
Understand how a stock chart tracks the past performance of a stock in terms of price. Stock charts typically include graphs that show price movement as jagged lines that cover days, weeks or months of past trading. Some charts represent price movements as vertical bars, called candlesticks, that show the top and bottom prices for a given day.
Understand the support and resistance levels of stocks. Some stocks will persistently fall to a particular price, rise to a particular price and then fall back to the original price. These are the support and resistance levels. The support level, at which the price bottoms out, represents the point at which demand picks up and investors begin to buy. The resistance level, at which the price peaks, represents the point at which demand falls off and investors begin to sell the stock.
Choose an appropriate stock to purchase. Stock selection for jobbing requires you to research the market. The right stocks exhibit ongoing price fluctuations but with relatively predictable support and resistance levels. After you find a stock that shows volatility, but within predictable limits, you wait for the stock to reach its support level and then purchase shares. After the stock reaches its resistance level, you sell the stock shares and pocket the difference. To make stock jobbing profitable, you need to select stocks that demonstrate a large enough difference between support and resistance levels that, when you sell, you make enough to pay the fees and taxes but still make a profit.
Pay your taxes. You are responsible for paying short-term capital gains taxes at your current tax rate for profits on stock jobbing. The Internal Revenue Service may require you to pay estimated tax payments on jobbing profits. Consult with your accountant to determine if or when you need to make payments.
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