Recession Investing And The Housing Market

Why could the U.S. be heading into a recession? The most likely reason is the housing market- a multi-faceted subject. There’s the new home building sector.

It’s important because it employs so many people, not just in construction but, by extension, in the industries that supply materials to the homebuilders – lumber, concrete, appliances, and even retailers like Home Depot.

Think about all the “stuff” that goes into a home and how much you buy when you move. A slowdown (or collapse) in new home building has a ripple effect throughout the economy and could drive up the unemployment rate.

Housing market problems are not limited to new home sales. The value of your home and the market for sales of existing homes is falling. By how much and for how long is the big question. But the problem here is the equity we have in our homes is evaporating.

Even worse, those of us who have recently purchased homes or have taken money out of our homes, through refinancing or home equity loans, may have no equity left. A reduction in home values reduces homeowners net worth, causing them to pull back on spending.

The mortgage market mess is the last, but the not least, of the housing market issues. The big problem is not subprime mortgages, it’s adjustable rate mortgages. Bumps in mortgage payments due to contractual provisions or an increase due to a rising LIBOR rate – most mortgages are tied to this rate and it may rise even if interest rates fall in the U.S. – will force consumers to cut back spending in other areas. Lastly, will more stringent lending standards exacerbate the new home construction and/or existing home value problems?

There are other economic concerns as well – consumer spending (beyond the impact of the housing market), rising energy prices, the U.S. balance of trade deficit (are jobs being exported as a result?) So, if you’re concerned about the possibility of a recession, and who shouldn’t be, how do you invest?

The stock market, according to classical wisdom (or folklore) anticipates a recession by six to nine months. Since it’s currently at record highs (at least the Dow and S&P) this suggests a recession is not in the offing. But the market could change direction at any time. There’s a saying that the stock market has predicted ten of the last five recessions.

So maybe it’s not such a perfect predictor after all. The stock market also anticipates economic recoveries. Add to the mix the psychological difficulty of investing in stocks when things are the bleakest (the best time to buy) and it demonstrates the difficulty (impossibility, for most of us) of trying to time the market.

Most investors should be in the stock market to take advantage of growth in principal value and income which comes through the long term ownership of equities. Stocks which do best in recessions are those of the strongest companies and companies whose products consumers must keeping buying (think toilet paper not cars).

The stocks to focus on are big cap companies, consumer staple products and health care. There’s an overlap between many big cap stocks and consumer staples and health care companies. I’d also add to this list companies with significant international sales. (Did you know that a majority of McDonald’s, and many other U.S. companies, sales are overseas?) There’s also a substantial overlap between big cap and international sales. You can find many good mutual funds which focus on these areas.

Will this investment strategy provide a positive return during a recession? Not necessarily but it will keep you in the stock market with a minimum amount of risk and the long term investor will be well positioned if there is no recession or for the upturn in stocks after the recession occurs.

What about bonds, you ask. Don’t they do well during a recession? Yes, if interest rates decline as a result, but that may be occurring just when stocks are beginning to rally again.

With long term U.S. Treasuries yielding below 5% (some good money market accounts have higher yields) how much lower can interest rates go, so how much higher could bond prices go? Focus your risk-taking investments on the stock market and keep the rest of your capital in cash.

Art Of Selecting Washers And Dryers

A home big or small is perpetually equipped with innumerable appliances. In the busy schedule one does not have enough time to complete petty routine jobs as it is time consuming and relentless.

Thanks to the advancement in science and technology that has lead to various innovative techniques to help the home makers. Many home appliances like mixers & grinders, microwave ovens, laundry appliances, are specially designed to assist in daily household chores. The washers and dryers are no exception. In fact the burden is totally reduced with the presence of washers and dryers. Half of the monotonous job is undertaken by these appliances relieving the whole lot of time to be spent constructively.

Washers and dryers are available in a wide range of collection. Some of the prominent brands are LG, Samsung, Bosch, Sears and many more with almost similar features. All these brands are more or less similar as they try to succeed each other and end up giving their best by manufacturing the appliances with typical facilities. Basically, all washers and dryers perform similar functions like scrubbing clothes and wringing the water out by spinning. Adding to these basic functions, many sophisticated functions are facilitated with the controls like electronic timer and its control. Handling these appliances must be done with utmost care and awareness. It is difficult to imagine leading life without these house hold items like washers and dryers.

Washers and dryer’s combinations are very effective and useful as they save energy, time, space, and are facilitated with no venting system. Similarly, dish washers were considered to be a luxurious appliance previously. But now it is a prominent house hold item as the work is done efficiently and quickly.

Acquiring washers and dryers must be done after collecting adequate information on the various brands available and its facilities. Today, market is flooded with household appliances leading to confusion. Initially one must take references from their friends and relatives about the product. The next few steps to follow are a purchaser should go to few shops and note the differences. Enquire for discounts and check whether the specifications fulfill his requirement.

Checking through online also proves handy while purchasing. Similarly, the instruction book should provide enough guidelines to understand the operating techniques. The most important point is that the brand you are purchasing should have a service centre in the local areas. Finally, the warranty period ought to be supportive as they should be prepared to offer us the after sales service during the warranty period. One should be precise about the terms and the extent of its coverage before purchasing washers and dryers.

Homeshoring Brings Legitimate Work-at-home Jobs Into American Homes

Imagine a commute that is just down the hallway, a few minutes from your favorite gourmet coffeepot and the Monday morning news. You plug in your headset to the phone, boot your computer, and begin taking calls for your client. After 30 minutes of call time, you move on to a scheduled break to tend to a few errands around the house. You get another cup of coffee, finish a few small household tasks, and return to your desk to begin taking calls again. Your schedule is flexible, and you can have all the breaks you need from the comfort of your own home. You’re paid anywhere from $7.00 to $30.00 an hour, and you work not just the hours but the minutes that you choose.

Sound like another work from home scam? Or simply too good to be true? Think again. The rise of homeshoring employers has paved the way to legitimate work-from-home careers that allow flexibility for a whole new workforce including work at home moms and dads, caretakers, military spouses, people with unique medical needs and the differently abled.

So, what is homeshoring, exactly?

Homeshoring, in its simplest form, is the use of home-based employees by businesses, big and small, to handle their call center functions effectively with the use of home-based workers. Homeshoring companies have made the decision to keep their call centers virtual but within their own parameters, country and control.

Homeshoring moves jobs out of high-overhead call centers and into the homes of US workers, rather than out of the country. Homeshoring cuts costs, but not corners, when it comes to saving money and creating valuable contacts with customers.

So who hires home-based workers for their call centers?

Homeshoring companies range from outsourcing partners (such as Convergys and LiveOps) to large corporations looking to save operating costs for their call center components. Companies such as JetBlue send their workers home and have an added benefit when weather problems force call overflows they can call on their home-based workers to pick up the slack. Other companies outsource their calls to Business Process Outsourcing (BPO’s) firms such as Alpine Access or LiveOps. Office Depot and Virginia Atlantic outsource their customer service needs to virtual agent call-center firms, which are often small or midsize businesses. The call centers then hire home-based workers or create independent contractor agreements. Some virtual call centers only hire home-based contractors with their own business set-up, so that their workers can operate under their own small corporations or LLC’s.

Homeshoring also provides a flexible and adjustable workforce for companies that often are sent into chaos with call overflow. The flexibility work for employees, too. Often, a homeshoring agent can schedule work shifts in time periods as short as 15 minutes.

According to the Gartner group, 10% of all call centers in the US plan on employing home-based agents in the near future. There are currently 112,000 home-based agents in the U.S., according to IDC. By 2010, there 330,000 home-based workers are expected to be working in the US alone. Homeshoring is here to stay and is expected to become a standard practice for companies that need to find new ways to retain excellent employees at a fraction of the cost of maintaining a brick and mortar call center.

How Can Success In Network Marketing Be Achieved?

Before you can have any success in Network Marketing, you first must define what you really want. There are different definitions of financial freedom. Ask thirty people what a lot of money is and you receive 30 different responses. What you are looking for may not be financial. You measure success by what you want. Okay, what is it? Do you have a plan in place?

See, you need a plan. A road map. Directions. People plan vacation, but not their life. So, you need goals. Three per cent of the country has committed their life plan to paper. They control ninety seven percent of the net worth. They write them down, not think or dream them because until you do so, that is what they are, thoughts and dreams. If you want the same things next year, just keep on doing the same things you did last year. Want it to be different? Well, you better put a plan in place for a change.

“There are two types of people in this world, those that think they can and those who think they can not. They are both right”.

Henry Ford

Network Marketing allows average people to earn above average incomes. It allows common people to achieve uncommon results. It is a business of change, a personal change for freedom and for a better lifestyle.

So often, the hardest thing are the nos, the rejection. If you got only yess, you would not know how well a yes feels. Reprogram yourself. Divide your monthly income you plan to earn or are earning in Network Marketing and divide that by how many people you contact a month. Let us say that will be $30.00. The next time you get a no, thank the person for letting you earn $30.00. Watch how people react. Rejection will no longer bother you. By joining Network Marketing, you are making a commitment to change. Invest on the inside of your head, instead of the outside. Buy motivational books and tapes. Go to personal growth seminars. People have a problem spending money on them, yet spend huge sums of money on makeovers for the outsides of their heads. Learn to earn more money than you ever did before. Learn to be a better person than you are today. How do you do it? Hang out with people who have done it. And once you learn it, teach it to others.

Most of all listen. People do not care how much you know until they know how much you care. Learn their needs and help them achieve them. The degree of success you will have with Network Marketing will depend on your attitude, your willingness to be teachable and your ability to maintain focus along with your ability to become consistent and persistent.

The Power Of Residual Income

In your everyday traditional work environment you trade time for money. The employer in order to retain you generally pays you just enough to survive. That cycle repeats itself weekly, monthly, and yearly. If you do not work, you do not get paid.

In Network Marketing you work hard in the beginning to build your organization and after a while the fruits of you labor begin to pay off. Network Marketing is a whole bunch of people doing a little bit. If you speak to three people a day and teach everyone else to do the same, you have built quite a large organization well, and you do the figuring!

Modern Day Trends And Network Marketing
Since Network Marketing has no geographical boundaries, you can literally create a worldwide network of people right from your home. Since you have no buildings, no big inventory, no tools or big equipment, all you need to depend on is modern day technologies to help you grow your business. More companies are sponsoring weekly conference calls where you invite your prospects to listen in on a live business presentation.

Need to get information out fast? Printed information can be faxed rather quickly. In fact, some companies even have fax on demand services, where a complete information packet can and will be faxed in a matter of seconds. With the advent of home offices a lot of individuals already own a fax machine, use the one at work, or go to the corner store. Overnight mail? Second day air? No problem. You may want to get that new company video or audiotape out to your key people. or use your camcorder to tape that great training program. Computers? Wow! They open a whole new avenue. Databases, desktop publishing software, word processors and Email are very efficient ways to get your message out to the public in minutes.

What is great about Network Marketing is that the above tools are available to you. You do not have to use them to be successful. Going next door for a cup of coffee and sharing your products and opportunity still works just fine.

An Overview

Network Marketing is a business of change. Not only for you, but also for the way products are moved into the marketplace. The people, who see this first, will be the first to prosper. Like any trend, those who get in early, win. For example, Bill Gates, cofounder of Microsoft, the software developer. He saw software, not hardware, as the route to go in the soon to explode personal computer field. Only starting Microsoft in 1976, today he is the richest man in the world.

Franchising was a misunderstood concept in the 1960s. The masses did not understand it. Today, 600 billion dollars in sales move through franchise outlet, which is almost one third of retail sales.

Well known companies, such as Reebok, The limited, Home Depot, and Federal Express all started from ground zero. While experts were laughing at them, those who were clever enough to invest in them saw returns of many tens of folds.

Network Marketing allows the individual the freedom to manage a business in a way he or she chooses. There is no purchase price, no franchise fee, no employees, no leases, and hardly any start up costs. There is no guarantee, but it sure does have an amazing record!

“I Would Rather Earn 1% From The Efforts Of 100 People Then 100% From The Efforts Of Myself.”

Andrew Carnegie

Patience Is A Virtue

Network Marketing is a business that most people start doing part time, while continuing their current employment and growing their earnings to a point where they have an option to go full time. Or they remain part time and use that extra income for whatever they desire. It is critical you employ these two methods for your long term success:

Network Marketing is a program of long term growth, like a farmer planting seeds. He or she had to prepare the soil, water and feed the seedlings, nurturing them to harvest.

Folks, it takes work! This is not some “get Rich Quick” scheme. Do not let anybody tell you it is. But all you have to do is employ simple and easy methods everyday. Consistency and persistence are two other key ingredients to your success.

So often, we see people giving up in the very beginning because the power of multiplication is just taking effect, not realizing the explosion is about to occur. Yet these same people will stay in the same job for years, sometimes earning little or no raises, and if they receive one it probably would be for less than 5%.

The end result is that people stay in dead end jobs, just barely making ends meets because they did not have the stamina to stay in and grow their way to freedom!

The Snail And Network Marketing

Imagine you are standing in the middle of a forest in the dead of winter watching a snail start to climb up a fruit tree. A rabbit comes hopping over and proceeds to ask the snail what he is doing (you are probably wondering yourself). The snail replies that he is going to get himself some fruit. With that, the rabbit looks up and sees nothing but baron winter branches covered with snow. As he looks down at the snail he starts to snicker, calling him stupid and informing him of the obvious, there is no fruit up there. With that, the snail replies that when he finishes getting to the top, there will be.

What if….

President Bush called and informed you that you were picked to go to Fort Knox for five full days, and that you could take all the gold you possibly could. They had an Act of Congress telling you that whatever amount you got, it was yours to keep, Free and Clear.

You Would Be Set For Life

But, you had to be at Fort Knox 24 hours from now and pay your expenses to get there. Plus you had to pay up front all your costs to haul your gold away.

A Few Questions

Would you be there? Could you find the money to do it? Would you sleep much? Would you watch TV? Would you be focused on the project?

A Challenge:

Join a Network Marketing Company. Let your sponsor be the President of the United States, let your company with it is fine products be Fort Knox, and let the people you know and the people they know be your Gold.