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Saturday, September 13, 2008

Part 2: YOU TOO CAN BE RICH
(How to Convert Your House Into an Asset)
Copyright © Captain Adiari, MD.
http://www.OnlineGain.net

Your house can either be a liability or an asset. In simple terms, a liability is that which removes money from your pocket while an asset is that which brings money into your pocket.

When the mortgage and the price of maintenance of a house are more than the money that you earn from the house, the house is a liability and not an asset. For example, if you own a house which has a rental value (the amount a tenant pays for renting such a house) of $500 per month and a mortgage of $700 per month (the month you are paying monthly as the mortgage) with an average monthly maintenance cost (the average you spend per month to maintain the house in good condition, which includes the property tax) of $20, you can calculate the value of the house as follows:

House Value = Asset - Liability

Asset (what put money into your pocket): Rental value
Liability (what removes money from your pocket): Mortgage + Maintenance expenses

i.e. House Value = Rental Value - (Mortgage + Maintenance expenses)
= $500 - ($70 + $20)
= $500 - $720
= -$220

This means you have a deficit of $220 every month. In simple terms, it means you have a loss of $220 per month to keep your house. In twelve months, this will become $2640 (12 multiplies by $220). If the mortgage is for 20 years and you do nothing about this loss, you will actually spend $52 800 (20 multiplies $2640) from your pocket to keep your house. By the time you add the inflation figures, the amount will actually be bigger.

You may actually argue that the appreciation of the value of the house over the 20-year period will offset any loss you incur. While this is true for most cases of real estate investment, however, the inflation rate if so high has the ability to tip your long-term investment into a liability rather than an asset. This is why cash-flow is more important in calculating the value of an investment than long-term capital appreciation, which can be disappointing in some instances.

Therefore, putting all these facts together you can calculate what will be the value of your house by the end of your mortgage with this simple formula:

H = (R+ A) - (M + E + I)

H = House value
R = Rental value estimated over the period of the mortgage, e.g. 20 years
A = Appreciation value estimated over the mortgage period
M = Mortgage loan over the period
E = Expenses, including Maintenance, Taxes, etc. over the mortgage period
I = Inflation value estimated over the mortgage period.

A positive value for H means that the house generates profit, but a negative value like the -$220 in the example above means the house is rather yielding a deficit or loss. Such a negative value signifies that even though you have paid off the mortgage of the house, you have actually ended up buying a liability. That is, you end up losing money instead of earning it, and this will continue except you do something to turn the situation around.

P.S.: Watch out for the Part 3 that teaches on how to convert your home to an asset.


About the Author:
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Adiari Captain is an expert on Proven Home Business. To find the best home based proven business ideas and opportunities so you can work at home visit:
http://www.OnlineGain.net

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Feature Article: Make the Leap to Home Business Success

Make the Leap to Home Business Success
Copyright © Stone Evans, The Home Biz Guy
http://www.PlugInProfitSite.com/main-23144/freesetup.html

Before you can have a successful home based business, you must first possess 3 "intangibles." These are things that must come from WITHIN you.

 ===> Intangible 1 <===

First,you must have a strong WHY.

Why MUST you have a successful home business? What is driving you? What is it that you CAN'T have in your life anymore and/or what is it that you absolutely MUST HAVE now?

For me, I couldn't stand working 12+ hours a day anymore and missing the experience of my children growing up. I also absolutely HAD TO HAVE the freedom of being able to control my life and finances through a little box (laptop computer) that I could carry with me anywhere in the world and not be tied to anyone's time pressures or demands but my own. That was my carrot and my stick. I felt a great pain deep in my gut of missing out on my children's lives and the incredible freedom that succeeding in a home based business would provide for me. I found my why. You MUST find yours.

===> Intangible 2 <===

You must BELIEVE that it is possible.

If you don't believe that it's POSSIBLE for you to have a successful home based business or make your living from home, you won't. It's that simple.

For me, figuring out that it was possible was just a matter of realizing that many other people were ALREADY making great money working from home. If they could do it, I could too. It would just be a matter of figuring out what those people were doing and then adapting it to my situation.

There is no shortage of undeniable PROOF that people (millions of them) are making money working from home. Just get online and do some research and you'll find countless testimonials and stories of REAL PEOPLE making real money on the Internet. Or head to your local bookstore and you'll find the same documented evidence of this fact. Truth is, it's getting easier and easier to make money with your own home based business.

I've always said that "affiliate marketing" (a simple way to make money from home) is the job of the future. In the old days, you had to go to a potential employer, apply for the position and hope for the best. Now you can simply go to any company you want, fill out their affiliate application and start work immediately. Affiliates are the new working class. In fact, making money with affiliate programs or making your living on the Internet is WAY MORE than possible. It is pretty much (or will be soon enough) unavoidable now. Affiliate marketing is the "job" of the future that's already here TODAY.

===> Intangible 3 <===

You must be willing to MAKE THE LEAP.

Ready, FIRE, then aim... This is the operating philosophy you MUST adopt to succeed with a home based business.

That's backwards for most people who like to aim before they fire. The fact is that home based business success is a moving target... The only thing constant about it is change. You need to stop analyzing the game and simply jump into it. You can't learn from the outside... You have to be *IN THE RING* to truly understand and profit from it. In fact, this is a business where you can truly be earning WHILE you're still learning...

The lesson here is that you will never really be READY to start a home based business. You simply have to start one. It's like having children... You're never really ready, but when it happens you adapt and grow and therefore you succeed. This is what I call: "Making the Leap"!

The good news is that the cost of failure with having your own home based business is very small. In the "brick and mortar" world you need to evaluate things very carefully before you decide to open up a business. It's almost always necessary to invest thousands of dollars to get an offline business off the ground. However, on the Internet you can often start a successful business for less than $100. The Plug-In Profit Site is a great example of this where you can get your own money-making site setup free within 24 hours:
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You simply need get IN THE GAME... Each moment that you stay "out there," you're wasting valuable time that you could be learning and skills necessary to build a successful home based business. In fact, if you're not in the game yet, you're ALREADY behind the times... Make the leap to starting and building a successful home business TODAY!

About the Author:

Stone Evans, The Home Biz Guy has helped thousands of people start and run a successful home business. NO EXPERIENCE NECESSARY. We *want* newbies. Don't know how to build a website? NO PROBLEM! Don't know how to advertise? NO PROBLEM! The Home Biz Guy will build your site and teach you how to succeed online! Visit the link below for details:
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