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Posts Tagged ‘save money’

  1. Don’t buy cards at the store…..

    March 29, 2013 by Karl

    cards photoberry berry berry

    Buying cards for birthdays, holidays, and special occasions at the store can be very costly.  I have recently been introduced to a method of sending professional quality cards through the mail (not e-cards) for less money, which is also more convenient than shopping, writing, addressing, and sending traditional cards.   You can choose from hundreds of existing designs, or create your own design with photos from your computer.  You don’t need to print them, stuff them or send them.  All this is done for you at a lower cost than a traditional card bought from the store.  Send one card, or send 100.  Quantity doesn’t matter.  Whether you send cards to personal friends or business  associates, this is a fantastic way to let people know that you are thinking of them.

    Sending cards is something we can do to have a significant impact on the lives of family members, friends, business contacts or even strangers.  Many people have a desire to send a card to people several times a month for various reasons (sympathy, birthday, anniversary, etc.).  More often than we would like to admit, the card does not get sent.  We struggle to find the time.  We don’t get to the store.  We forget.  The cost of the cards is high.  We aren’t thrilled with what the inside of the card says.  There are many obstacles.

    There is a movement going on in our world toward computer based services.  Sometimes we aren’t sure if it is a good thing or not, but it is becoming an increasing reality.  There is always good and bad associated with change.  What did Netflix do to the video rental industry, Amazon do to the bookstore industry or itunes do to the music store industry?  People are getting used to getting products and services online.  So, let’s revisit the need to send cards for different occasions.  A company I have discovered is revolutionizing the greeting card industry.  That company is SendOutCards.  It is an online greeting card and gifting company.  Imagine being able to pick a card from a virtual card store, personalize the message on the inside, and send it for less than a third of the cost of a card purchased at the local card store.  Imagine doing this from your home, office, coffee shop or even the beach.  With the click of a button a card can be sent in a matter of minutes.  The card is printed, stuffed in an envelope, stamped and taken to the post office by the next morning.   Because of this cost and time savings, it is possible to send cards more frequently.  It has a positive effect on the recipient and creates a positive feeling in the sender as well.  There is so much more that can be done with this system, but you can explore and find that out if this has aroused your curiosity.  I have found it to be very helpful in my day-to-day need to reach out to people, and I am now using it to help market my business.

    Click on the image below for more information.  This will link you to the site of a friend of mine who is in the business.  You can test drive the system at no cost!!  There is also an income opportunity with this company and product if interested.

    SendOutCards Link

  2. Buy a duplex for low cost living!

    January 18, 2013 by Karl

    duplexberry berry berry berry berry


    This may actually be the best kept secret ever!

    One of the biggest tips I could ever offer comes from what I learned in the monopoly game as a kid. If you fit into any of these categories: single, low-income, renting, married with one income, just slugging through life, you can very likely buy a duplex and live in a nicer place for less money.  NO JOKE!

    Back in my single years I wanted to buy a home but knew I couldn’t afford one when looking at my income compared to the prices of houses. I had looked at a few mobile homes, but realized very quickly that this would be a bad investment.  Mobile homes give you a house payment along with a property rental fee with no real value once it is paid off. Bad idea.

    I had heard a few years before that buying a duplex (two apartment house) was a good idea, and so I started investigating. I contacted a local Real Estate agent and showed her my income.  She agreed that this would be a good option and showed me a few duplexes that I could afford at my income level. Keep in mind that you can afford more home when you buy a duplex because you are collecting rental income from one apartment while you live in the other.  The banks see this as a secure investment.

    I was totally shocked when I realized that I could buy a home, live in one apartment and rent out the other, all for about half the amount I was paying in rent for a one bedroom (if you could call it that) studio apartment.  Less money per month, and a bigger apartment!  Was there a downside?  I didn’t see it. (and still don’t)

    This ended up being the best investment I ever made. Yes, I did need to learn the in’s and out’s of being a landlord, but this wasn’t much of a headache considering the amount I was saving every month. I considered it a significant monthly income for only about 30 minutes worth of work a month (usually less than that).

    After buying that first duplex and living cheap for the first few years I was able to save enough money for a down-payment on another duplex. I moved out of the first, rented out my previous apartment, and moved into the second. When I was married, we bought a new house and kept the rental properties.  They were paying for themselves and giving us some income on the side.

    Why would anyone NOT do this? I have talked to many people over the years about this very thing.  They come up with every excuse in the book – they’re not handy, they don’t want the responsibility of being a landlord, they don’t have enough money (not true), if it’s that easy why isn’t everyone doing it? I think these are the same excuses that we all make for ourselves when looking at the possibility of stepping out of our comfort zone….. even if the pasture is CLEARLY greener on the other side. Sometimes that comfort zone that we live in ends up being our excuse to continue wallowing in our own misery. It’s painful where we are, but fear of the unknown keeps us from changing things.

    My job in creating this post is to try to convince you that YOU CAN DO THIS! You don’t need to settle! Yes, I ran into a few glitches as a landlord, but we run into problems in everything that we do in life.  Why not move forward in life rather than just slogging along?

    If you already own a home I encourage you to talk to any friends you may have that are renting. Help them out of the endless cycle of paying someone else’s mortgage.  Show them this article!

    If you are interested, the next step is to talk with a Real Estate Agent in your area.  Don’t just pick one out of the phone book.  Talk to friends and ask them if they know a good agent. Ask at your local church. But however you go about it, don’t procrastinate!  Make a phone call today! It could be the beginning of a much less stress filled life!

    If you are using your credit score as an excuse I encourage you to talk with a mortgage officer.  If you don’t know one, ask a Real Estate Agent! They are all very helpful and willing to help people out. If you explain to them that you have bad credit but want to figure out how to change your credit picture, they will likely help you out.

    If you need a good Real Estate Agent in the Fort Wayne, IN area, or the Philadelphia PA suburbs, I can give you some names of good people.  Just comment below.

    Now is the perfect time to buy because mortgage interest rates are so low!  Don’t wait!