July 31, 2008

Setting Up Your Dream Home Office Space

Filed under: Great Travel Tips — admin @ 7:14 am

One of the great privileges of the direct selling profession is being able to work from home. But with the freedom of your career, also come the challenges. The sink is full of dishes, your son left his crayons on your desk, and the laundry is piled up in the corner. A well designed home office will help you transition from the role of domestic goddess to high power entrepreneurial executive. Just like Clark Kent changes in the phone booth to become Superman, as you enter your office space, you turn into queen of your home business empire. Instantly your mind shifts from the laundry list of household chores, to strategies for earning that big check next month and enjoying a hard earned Hawaiian vacation.

But how can you plan the perfect workspace; one that keeps you organized, inspires you, and boosts your productivity? Here are some rules of thumb to follow when designing your home office space.

Plan a space that meets your needs.

* Space: Imagine your dream space. You have the freedom to create the space of your dreams Where is it? What items do you need to have in it? Some questions to ask yourself are: what equipment you’ll need, what things you’ll have to store, and how much privacy you’ll need. Do you need to stay close so you can keep an eye on the kids? Do you need a meeting space? Will you have customers or other consultants stopping by?

* Location. Choose a space in your home that best supports those needs. Whether it’s a spare bedroom, a corner of the living room, a large closet, an attic or a converted garage; find a room that that has enough space for the equipment and furniture you need.

* Storage. While not every direct seller needs to keep inventory on hand, those that do know that having an organized space to store product is critical. Make sure the space you choose has ample room for shelving and storage. Think about the items you handle on a day-to-day basis in your business. Now make a list of the items. Do you need a bookshelf or wall holders for catalogs and brochures? With the proper space and containers to keep your office tidy you’ll have a clutter free, organized work space.

* Furniture. Next it’s time to outfit your work space with a desk, bookcase, and filing cabinets. Today with the boom in home based careers, there is such a variety of office furniture to choose from. Whether it’s a simple desk, an office armoire, or a complete L-shaped unit, make sure you’ll have the desktop space you need to keep key items at your fingertips. Dare to splurge a little on getting yourself a comfortable and ergonomically supportive chair. It’s a back-saver and worthwhile investment.

* Equipment. Plan a spot to put your computer, phone, and fax. Buying an all-in-one printer/scanner/fax machine is a smart choice that saves you desktop space and money!

Put it together in a way that makes sense.

* Placement. Decide what goes where. Place key equipment in a way that flows with the way you work.

* Organization. One great way to stay organized is to create centers for the tasks you frequently perform. For instance you might want to put all your brochures, order forms, and catalogs together in one place. Other “centers” may include a mailing center, a faxing center, and a printing center. Boxes and bins are great for keeping smaller office supplies organized.

* Ergonomics. Place your keyboard, lighting, and monitor at proper heights. By being good to your body, you can function at peak performance without tiring as quickly or getting injured from incorrect positioning.

Create an inspiring atmosphere you’ll love.

* Personalize. Now’s the chance you have been waiting for to create the office of your dreams. Make your office a space that truly inspires you. Little things make such a difference. Choose a paint color that brings you joy. Pamper yourself with treasured photos, candles, and artwork on the wall. Add a touch of romance and a dash of color with a potted plant or vase with flowers on your desk. Finally, having inspirational quotes, a dream map, and visual reminders of your goals can be powerful tools to keep you motivated and on the track to success.

* lean and tidy. There’s nothing like starting the day with a clean desk. Try to get in the routine of either cleaning your desk at the end of the day or doing a 5 minute tidy first thing in the morning. By having a place for everything and everything in its place it’s easy to stay organized and be more efficient.

* Lighting. Don’t skimp on lighting. In addition to creating ambiance in the room, proper lighting keeps you from straining your eyes. As well as having enough overhead lighting, you’ll also want task lighting. Today there’s a wonderful selection of stylish and functional lamps to choose from.

Start your Dream Office Today.

What are you waiting for? Get a jumpstart on your home office now by taking the following actions in the next 48 hours.

* Walk around your home and visualize your office. What space feels good and inspiring to you? Where can you see yourself spending a lot of time and loving it? Choose the perfect space and clear it out.

* Flip through catalogs and magazines. Clip pictures of furniture, décor, and items you’d like to include in your dream office. By getting crystal clear on the intricate details of your perfect workspace, it makes it easier to spot those items as you come across them.

* Shop around and look for smart buys. Scan the newspapers, store fliers, and online office store coupons for sales and special offers.

2005 © Kristie Tamsevicius. All rights reserved.

Speaker, author, and consultant, Kristie is an entrepreneurial expert who has helped thousands of people to start and succeed in their online businesses. She is the founder of Webmomz.com, president of Branding on the Net, and author of several books, I Love My Life: A Mom’s Guide to Working from Home and Build it Big 2: 101 Insider Secrets from Top Direct Sellers (Dearborn Publishing - April 2006). Claim your free Home Business Success course and expert work at home tips at http://www.webmomz.com

Buying A Home After Bankruptcy - Get A Mortgage Loan After Bankruptcy

Filed under: Great Travel Tips — admin @ 2:00 am

If you have a recent bankruptcy on your credit and are looking to get financing for a home, there is hope. Buying a home with bad credit will just put more emphasis on the other two factors needed to get a mortgage loan, which are; income verification and a down payment.

After bankruptcy most lenders want you to wait at least 2 years from the time of the bankruptcy discharge before they will consider you for a mortgage loan. After the two year waiting period is over, you should be able to get financing easily. You should also be able to get 100% financing as well. You can usually achieve this as long as at least most of your payments have been reported to the credit bureau as having been paid on time since the discharge of your bankruptcy.

If you are looking to get a mortgage loan after bankruptcy sooner than the 2 years from the time of discharge, you will need to have almost flawless payment history since your bankruptcy discharge. Also, you may need to have a down payment. If you have even 3-5% to use as a down payment, that may be enough to help you get approved.

There are ways to get a down payment for your mortgage besides having the money saved in the bank. Here are some ideas of ways to do that:

1. Borrow or ask for a gift from relatives. After you have financed the house, you can usually go and take out a 2nd or 3rd mortgage up to the full value of your house, and then you could repay the relatives. Keep in mind that if you intend the money to be as a loan only from the relatives, you would need to disclose that to the lender before you close. Lenders usually have regulations about where the down payment is coming from and if you are not honest, it could be considered defrauding a lender.

2. There are down payment assistance programs like Neighborhood Gold or the Nehemiah program. These programs basically aid the seller in helping you with a down payment. Receiving a down payment from the seller of the property is illegal, but through these programs, it is legal. There are also other down payment assistance programs which are grants and do not need to be repaid or paid for by anyone. To find out about these, do a search on “down payment assistance” with your favorite search engine.

3. You could cash out a 401K or another investment and like in the first example, repay yourself with a 2nd or 3rd mortgage after the loan has closed.

Mortgage loans after bankruptcy are getting to be much easier to obtain these days. If you would like to see a list of our preferred bad credit mortgage lenders, visit this page: After
Bankruptcy Mortgage Lenders.

Carrie Reeder is the owner of ABC Loan Guide. ABC Loan Guide is an informational loan website with informative articles and helpful lists of recommended lenders for bad credit mortgage loans.