You Can Become a Work at Home Mom Online

By becoming a work at home mom online, you can earn income for your family without leaving your computer chair. By building a website in your area of interest, you can reach an audience of millions with your information, product or service.

You do not need technical knowledge or web design experience to build a successful website. The following C-T-P-M process will help you develop a website that earns income for your family:

  • Content – Create a website that delivers original, high-quality information in an area of interest. Include specific phrases in your website pages that many people are looking for, but many websites don’t provide. These high demand, low supply phrases are known as profitable keywords. They will help others find your website when they search the web for information on your topic.
  • Traffic – You can build the best website on the internet, but you won’t earn any money unless people are visiting it. Bring visitors, or traffic, to your website by spending time in online forums, writing articles and having your site included in web directories. It takes time to build a strong traffic flow, but if you stay the course your website will one day have many visitors.
  • Pre-sell – Go beyond putting advertisements and sales pages on your website, and help your visitors begin to trust you by providing honest, accurate information. Help people see a need for your information, product or service. Write detailed descriptions of the products you represent, their pros and cons, and how they will be useful to your visitors.
  • Monetize – Find ways to earn income through your site by placing ads on your site, selling e-books, or directing visitors to your offline business or service. You can also earn commission by directing visitors to make purchases from other companies. This is known as affiliate marketing. Some websites rely on one source of income, and others diversify by developing multiple income streams.

You don’t have to spend thousands of dollars to build a web business if you follow the C-T-P-M process.

The Perfect Storm – The Rise and Fall of the United States Housing Market

As we approach the end of 2009 and look ahead to the coming year, we continue to keep our eyes fixated on the optimistic horizon of our financial futures hoping to dissipate the recent memories of the turbulent past. These traumatic recollections are primarily associated with the collapse of the U.S. housing market which triggered the current economic recession that our country is still desperately trying to dig itself out of. This hurricane of eroding property values started to come onto U.S. shores in the beginning of 2008 and continues to wreak havoc into this present day. Now as we look back in time today, it is almost impossible to not know someone who has not been adversely affected by the housing market meltdown in the United States.

A financial storm of this magnitude did not form overnight. There were many years of reckless spending, poor financial planning, and irresponsible lending that synergistically blended together to create this potent financial catastrophe. To simplify things however, the crux of the blame can be cast upon three equally contributing parties: greedy lenders and naive buyers. These two factors combined with a lack of financial oversight by the federal government and affiliated regulating agencies formed into what could best be described as the “perfect storm” scenario.

The initial events that set into motion the collapse of the domestic housing market began immediately following the tragic events of September 11, 2001. Just one year prior, the federal funds interest rate which establishes the baseline for lenders borrowing from one another was 6.50%. The terrorist attacks on 9/11 prompted the Federal Reserve to start slashing interest rates in fearful speculation that awful financial repercussions would quickly devastate the economy.

As the federal funds rate continued to be reduced down to 1.0% over the next two years, this provided a catalyst to home builders and developers as they increased land purchases and started massive residential and commercial housing projects. During this same time that interest rates were being reduced to historic lows, members of congress were coercing the executives overseeing the giant lending institutions such as Freddie Mac, Fannie Mae, and many others to extend their lending policies beyond their normal credit worthiness limits so that consumers who would not normally qualify for a mortgage could achieve the American dream of home ownership. To appease these new found congressional pressures, lenders soon devised up new hybrid and exotic mortgage financing schemes. These new financing options featured adjustable rate mortgages with no money down requirements, and loans that financed home loans for up to 125% of their appraised worth with the naive thought process that property values would continue to increase indefinitely into the foreseeable future.

All of these converging forces united together to form the “perfect storm” that struck the U.S. housing industry with full force beginning in 2008. Soon many of those buyers who were enticed by the attractive financing options ended up as disheveled victims similar to those homeless survivors displaced after a tragic hurricane strikes. Those teaser mortgage rates which persuaded millions of home buyers and builders to spend beyond their means would soon skyrocket upwards as the Federal Reserve began to understand what was taking place and would try to counteract the financial chaos with series of organized interest rate increases. By this time however, it was too late to escape the impending doom.

This devastating combination of greedy lenders, naive buyers, and federal regulating agency members asleep at the switch undermined the very foundation of all of the housing growth that had been constructed over the previous years. In the wake of this storm’s aftermath were especially hard hit areas such as parts of California, Florida, Nevada, and Arizona where overbuilt communities and speculation reached extreme levels.This grossly unbalanced financial leveraging scenario between the buyer with little to no equity down and the fully financed lender couldn’t last forever and it didn’t. Buyers soon wanted no part of rapidly depreciating neighborhoods and sellers flooded the market but no one would come to their rescue and many of them were forced to go belly up into foreclosures or short sales if they were so fortunate.

The rest as they say is history. A recent Zillow study of Floridian residents showed homeowners who purchased their home in the last two years ran a 77% chance of their mortgage being upside down. This is only a small fraction of the devastation that has been cast across the country. Let’s hope the worst is over.

Online Courses – Keeping IT Up-To-Date

Basic school and college education seldom prepares us for the technical skills required for a job. The workplace today is a network of highly specialized functions. Some of the broad functions are manufacture, marketing, advertising, finance, human relations, and Information Technology.

There are many online ‘schools’ and ‘colleges’ which offer certificate study courses of prevailing systems in all areas of work be it accounting, project management, digital marketing and information technology specific courses like SAP training and career courses.

If one wants to remain relevant in the workplace, it makes sense to stay updated on all the latest developments in work. Taking short certificate courses from time to time while you are working is a ready option and a very good one. These courses can be done in the comfort of your home, through the internet which also is the source of study material, apart from being a virtual classroom and exam center!

One course which would benefit anybody, not necessarily an accountant is on bookkeeping and accounting. It helps to read balance sheets of your own company, and know its financial status which is of importance to you as an employee.

Digital marketing, SEO, Project management are important courses for the older generation to get up-to-date with the present-day marketing principles like digital marketing and search engine optimization.

An institute offering these degrees slowly builds up its reputation over the years of providing consistently good and relevant study material. Reviews of students who have passed the courses earlier are good reference points.

IT – The Benefits of Additional Training

Most businesses have IT present in all processes of all the departments. IT development itself is an industry, lending itself to all sectors of manufacturing and service industry of a country.

It makes absolute sense then, to acquire skills to thrive in such an IT dominated job scenario. As knowledge increases and processes become more sophisticated, the knowledge bank of the world is piling up exponentially with volumes of new information – which is available to us for study and application.

What are some Information Technology Courses and what are their applications?

There are millions of courses available online which are IT related.

CCNA – an IT certification from CISCO, which certifies a Cisco Certified Network Administrator of associate level, which teaches to install, configure, and operate LAN, WAN, and dial access service for medium sized networks.

SAP – This leader in business applications of software, provides software and technology solutions or enterprise resource planning to all businesses in all industries in all spheres of activity.

MCSE – Microsoft gives certification in server infrastructure, windows server, or even a Microsoft Office specialist certification. This is helping to learn the use of the wide array of Microsoft products.

There are locally designed courses that offer certification in programming, web support, web design, software applications, web page design, java, computer information management, six sigma certifications, ICT software, Game development, ethical hacking etc.

Some academic online courses offer IT education under heads like Business information, business intelligence, IT security, Computer security, Technology and, Networks.