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Greetings again! Just wanted to know… I'm using multiple background music in the cartoon that I'm making, but I don't want to go into all the trouble of actually editting the mp3 using another program. So, how do we make it in flash so that when a certain frame is reached, the specified background music will stop or start, and as well as when a certain button is pressed, the music will stop or start.
Thanks a lot people!=)


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Lower prices mean budget squeeze
Flatter house prices are on the cards this year, but any decline in prices will have broader economic consequences, Infometrics is predicting.
Thursday, April 13th 2017, 11:00AM 1 Comment
by Miriam Bell
The economic consultancy has just released its latest forecasts and they show house prices falling in the second half this year to sit 2.7% below their December 2016 level.
This decline will be due to the dampening effect of tighter mortgage lending conditions and higher interest rates.
Infometrics chief forecaster Gareth Kiernan said the emergence of flat or falling house prices within the next few years will undermine consumers' willingness to spend.
At the same time, the discretionary portion of households' budgets will be squeezed as interest rates gradually rise from their historic lows.
These effects will be particularly acute in Auckland, where house prices are highest, he said.
"An increase in mortgage rates from 5% to 6% adds almost $200 to fortnightly repayments on a 25-year mortgage for someone who has bought the average Auckland house with a 20% deposit.
"The result of this squeeze is persistently weak growth in household spending from 2018 through to early 2021, with per-capita growth nationwide holding below 1.0%pa throughout this period."
People that have heavily leveraged themselves to purchase property are likely to find that increasing debt-servicing costs cause a significant degree of financial stress, Kiernan warned.
"Re-entering the workforce or taking on additional hours to boost their income shape is one way that people can adapt as mortgage rates track upwards."
Meanwhile, Infometrics sees headwinds building for the residential construction sector.
The sector is considered one of the current drivers of economic growth but it is already struggling with capacity pressures.
Kieran said the safety net of rising house prices have acted as a safety net for the sector.
"They encourage developers to push ahead with new projects as they expect any building cost overruns to be covered by higher sale prices at the end of construction.
"But, with the wind having been taken out of the housing market's sails, that financial buffer looks to be less assured."
Further, Infometrics believes the annual new dwelling consent total slipping back from its current level of 30,162 in the year to February 2017 to below 29,000pa in the March 2018 year.
This is a worrying prediction, given New Zealand, and particularly Auckland's, ongoing housing supply shortage.
In a broader economic sense, Infometrics expects greater price pressures both domestically and internationally and have revised their inflation forecast for 2017 up by 0.2% to 1.7% per annum.
Kiernan said that, against this backdrop, the Reserve Bank is likely to begin raising the OCR by the middle of next year.
"But these OCR increases will only be gradual, as ongoing elevated levels of net migration and high labour force participation will prevent capacity pressures getting as out of hand as they did in previous business cycles."
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tag:blogger.com,1999:blog-5694390946037511355.post6702758202268306857..comments2020-07-05T07:37:06.122-04:00Comments on EV Grieve: Why the playground at P.S. 19 has been closed for community email@example.com:blogger.com,1999:blog-5694390946037511355.post-59413863835841077172020-03-08T08:31:03.823-04:002020-03-08T08:31:03.823-04:00The original deal that actually raised the money f...The original deal that actually raised the money for the playground renovation included the city funding the maintenance during not school hours. DeBlasio reneged. This is a backstab to pay off a constituency elsewhere in the city. Maybe the first lady's very expensive "mental health" money pit? That has shifted a lot of city cash off the books and into the email@example.com:blogger.com,1999:blog-5694390946037511355.post-65035722475827030812020-03-07T22:21:48.423-05:002020-03-07T22:21:48.423-05:00With this playground closed to the public, and the...With this playground closed to the public, and the one at 12th and B shut for renovations, this leaves few neighborhood options besides Tompkins. Stuy town is closed to the public, and while Village View isn't technically public, lots of people go there but the equipment (and sunshine) is lacking. Dry Docks is fine but far east for a lot of people. East River Park also a shlep and who knows how much longer we'll even have that!! email@example.com:blogger.com,1999:blog-5694390946037511355.post-26362771508524806032020-03-07T22:16:37.545-05:002020-03-07T22:16:37.545-05:00please please please can we make this playground o...please please please can we make this playground open again? we love it there - a safe place to ride bikes and scooters for the little ones, a lovely garden, great 'lawn' for playing games. we were so happy when this was made available to the community. firstname.lastname@example.com:blogger.com,1999:blog-5694390946037511355.post-69691440790985201272020-03-07T08:04:10.700-05:002020-03-07T08:04:10.700-05:00This is terrible news. Our family spends so much t...This is terrible news. Our family spends so much time there. Gonna get Carolina Rivera on the case.2nd Avenue firstname.lastname@example.com:blogger.com,1999:blog-5694390946037511355.post-43857255298912475052020-03-06T20:08:34.774-05:002020-03-06T20:08:34.774-05:00The original funding agreement between the Trust f...The original funding agreement between the Trust for Public Land and the city had extra funding for the school custodians to maintain the park as a public space outside of school hours. The city did not allocate the funds in this year's budget and now this gem of a public space is closed for the community. All weekends it is packed. The beautiful things about this space is that the toddlers are interacting with the dogs that are hanging out with the skaters that gets to connect with the elders from Sirovich Center at the same time when the frat boys are playing basketball by the yoga practitioners. The Saturday morning soccer club, the afternoon free tennis lessons. Endless uses and no fences. That's the beauty of the PS19 playground.Choresh Waldhttps://firstname.lastname@example.com:blogger.com,1999:blog-5694390946037511355.post-29043329259557844822020-03-06T16:07:44.978-05:002020-03-06T16:07:44.978-05:001:27 PM No kidding did I say "all dog owners&...1:27 PM
No kidding did I say "all dog owners"? You want me to construct sentence like this "two men got into a fist fight but this does not reflect on all men because most men can control their anger"? Some..... dog owners are just too defensive. noble neolanihttps://firstname.lastname@example.com:blogger.com,1999:blog-5694390946037511355.post-69985235733850683392020-03-06T15:43:01.870-05:002020-03-06T15:43:01.870-05:00@1:27pm: I agree with what you've written, but...@1:27pm: I agree with what you've written, but there are ALWAYS going to be bad actors. And sadly, you only need ONE bad actor to ruin it for everyone.

These days, as we readily see, there are many selfish jerks around.

firstname.lastname@example.com:blogger.com,1999:blog-5694390946037511355.post-5368058132721325542020-03-06T13:27:29.011-05:002020-03-06T13:27:29.011-05:00I don't care where I go with my dog I always c...I don't care where I go with my dog I always clean up after him. Always! If you're going to malign and make broad generalizations, at least take a minute or two to acknowledge that you understand that it's only a few who are the bad actors. Same goes for the boogeymen bar-goers you so loath. firstname.lastname@example.com:blogger.com,1999:blog-5694390946037511355.post-4453528202383558772020-03-06T12:26:58.063-05:002020-03-06T12:26:58.063-05:00This is SO SO SO De Blasio. What a fuck-up.This is SO SO SO De Blasio. What a email@example.com:blogger.com,1999:blog-5694390946037511355.post-52636860972972694782020-03-06T12:08:42.510-05:002020-03-06T12:08:42.510-05:00sanctuary city=no funding from SCHLUMP ?sanctuary city=no funding from SCHLUMP ?afbphttps://email@example.com:blogger.com,1999:blog-5694390946037511355.post-77689389886079343942020-03-06T10:11:05.580-05:002020-03-06T10:11:05.580-05:00As I understand this, the playground is not a city...As I understand this, the playground is not a city park and therefore does not receive funds from the Parks Department therefore the school custodians who maintain the space for the students of the school now have to "clean up" after the general public if the playground is left open during the evenings and weekends. I can imagine that can be a lot of work since the playground attracts teens, late night weekend bar customers and people who use this as a dog run and can't be bothered to clean up after. It is unlikely that the Parks department will take over a school playground so keeping this playground shut outside of school hours maybe the best solution. noble neolanihttps://email@example.com:blogger.com,1999:blog-5694390946037511355.post-73726057353316740232020-03-06T10:04:19.872-05:002020-03-06T10:04:19.872-05:00just when the destruction of east river park is go...just when the destruction of east river park is going to create even more demand for the email@example.com:blogger.com,1999:blog-5694390946037511355.post-69154728454542579372020-03-06T09:47:55.212-05:002020-03-06T09:47:55.212-05:00similar situation at playground adjacent to East V...similar situation at playground adjacent to East Village Community School on E 12th between email@example.com:blogger.com,1999:blog-5694390946037511355.post-43989017937445066122020-03-06T06:43:32.765-05:002020-03-06T06:43:32.765-05:00Big surprise.Big email@example.com


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Earlier today I was invited to a senior's residence to show the old kids how to rock Michael Jackson's face out of an orange orb. (Fun!) When meeting new people, it's always a good idea to wear something you like and feel good in, right? Well, I LOVE this little top I picked up at Forever 21 … [Read more...]
You are here: Home / Archives for sequin tops


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Create a video animation
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Watch Molly as she prepares fantastic flapjacks.
- 225g butter
- 85g caster sugar
- 2 tbsp honey
- 350g porridge oats
- Melt butter, sugar and honey over a low heat.
- Stir in oats.
- Line and butter baking tray
- Pour mixture into tray and press down firmly
- Bake for 20-30 mins at 180 degrees.
- Cut while still warm
- Cool and serve
Watch Molly Make her fantastic flapjacks here:
To watch more Swipe TV videos like Molly Makes download the Swipe TV App for FREE!


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Forget the long wait to get your favorite luxuries in the mail, and join us to make your own! Get all the fun of making your product, then reap the benefits—it's the gift that keeps on giving.
Come alone or virtually meet a friend as your host teaches you all the steps and answers any questions as the event goes on. Learn new skills and never be without again!
Any materials can be found in your cupboards or the local drugstore.
Total Price of this experience includes an Experience Fee.
Your location
The Old Spaghetti Factory, Downtown Phoenix, is located in the heart of the Art District. With a savory three course Italian meal, consisting of soup or salad, your desired entrée of choice, and a scoop of authentic spumoni ice cream for dessert. The Old Spaghetti Factory is a time honored classic that has been family owned since 1969. With antique furniture around the restaurant, you can't help but enjoy being here. We can't wait to serve you. https://www.osf.com/ Please note: This is NOT a BYOB event. Drinks, food and gratuity are NOT included in the ticket price. Yaymaker Paint Nite encourages drinks and/or food purchases directly through venue. Yaymaker events give you everything you need to get up, get out, and get making! Instruction is provided by an expert host, so no experience is required, and everything you need is supplied. Grab your friends to paint, plant, tinker, and build—and give your week something to shout about!
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An artist has not been assigned for this event yet....and they all are so good! Please check back on this event again later.


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Act early
This is with reference to "The Way back to childhood". This is a very interesting article, detailed at that, sketching the various reactions of the children at a tender age and how to cope with their sometimes strange behaviour. Not all housewives are educated and they need to be counselled on the importance of the learning to handle such children. Likewise, teachers have an equally significant role to play. They need to be compassionate when it comes to children afflicted by ADHD syndrome.
Early diagnosis does help. Parents invariably delay the process of meeting up with a doctor and finally at an advanced stage things go out of hand and turn into an insurmountable job for the parent as well as teacher, alike! Prevention is better than cure.
Ashok Jayaram, ACA
Changing definitions
The article "Is the customer truly king of all he surveys?" (Magazine, January 18) was quite interesting. Apart from choice of brands and products, in India customer service is taking back seat as we seldom take such issues seriously. In this context, Gandhiji's words on customer service can probably be re-written as "A customer is the least important visitor on our premises. He is dependent on us. We are not dependent on him. He is an interruption to our work. He is not a purpose of it. He is an outsider to our business and not part of it. We are doing him a favour by serving him and he is not doing us a favour by giving us the opportunity to do so".
N. Nagarajan
This has reference to the write-up "The dance of learning" (Magazine, January18) Our society is undergoing vast changes in every sphere. It is therefore fitting that the obsolete pedagogic method of teaching also changes.
The IQ of children today is far higher than it was four or five decades back, thanks to their exposure to media and computer. For example, my seven-year-old grand-daughter regularly exchanges e-mails with her friends and relatives. In this situation they can easily learn by themselves from printed materials and tools without relying on teachers. We need to encourage self-learning and create scope for interaction with classmates.
Dr. R. Thirunarayanan
Cricketer and gentleman
This refers to the article "Homage to Kumble" by Ramachandra Guha (Magazine, January 18). The article is a magnificent tribute to a fantastic cricketer and an outstanding gentleman. Kumble claimed the wicket of Lara while bowling with a bandaged head in West Indies in 2002. This vouched for his extraordinary grit and determination. His 10 wickets in an innings against Pakistan was surely the acme of his career.
He is so self-effacing that his match-winning bowling exploits have not received the attention they deserved. The greatest moment of his captaincy will perhaps be the astounding victory at Perth in 2008 against Australia, something that no other team from the subcontinent had achieved for a long, long time.
S. Thyagarajan,
For once I have been treated to an excellent column on Anil Kumble by Ramachandra Guha (Magazine, January 18). He can be sure that apart from his astute assessment of Anil as a bowler, a player and a last-minute test captain, the writing itself on Kumble's impeccable qualities will be remembered for years to come.
D. Venkatesan


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Big Rainbow Shredders
Recommended for large birds
30 feet of 2 inch wide colored woven palm. Great bang for the buck. Weave through bars, tie in knots, or just cut off a strip and give it as a foot toy. Try it with a feather plucker. It might help, if your bird likes the shredders, there are other toys in this line made with palm you might want to try.
Additional information
|0.4 lbs
|7 × 2 × 4 in


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Keep moving to prevent disability – latest study concludes "move more, more often"
Physically inactivity is the strongest risk factor for disability as we age says new research in the Journal of the American Geriatrics Society. Continue reading
Online consultations for people with chronic pain during lockdown
Conditions for people living with chronic pain have been exacerbated by the covid-19 pandemic but telemedicine may improve the situation, according to research from the University of Bath. Continue reading
Frankincense has important anti-inflammatory properties
An inflammatory enzyme is reprogrammed into an anti-inflammatory enzyme by frankincense, the resin of the Boswellia tree, says new research in Natural Chemical Biology. Continue reading
Reduce chronic pain without drugs – review of the most effective methods
An updated evidence review into non-invasive non-drug treatment for chronic pain conditions reveals that previous trends are gathering momentum. Continue reading
Evidence review suggests which non-opioid painkillers help chronic pain conditions
Pain relief is a hot topic due to issues around addiction, side effects and whether some painkillers actually work. Continue reading


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Shree Balaji Banquets
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These are my Top 5 Wedding venues in the Cotswolds
Picking a Wedding venue even in a beautiful place of the world like the Cotswolds can be very difficult, Lets be honest location for a bride is everything this is the place you will remember the happiest day for the rest of your life. Luckily for you I have done my research by not only visiting these venues but being there for weddings and I have also photographed weddings at most of them.
Now for me a really great wedding venue like the ones I have put together for you need a few things to make them greater than the rest. First of all the location has to be picturesque, secondly the staff need to be welcoming and helpful after all they are the work force behind your wedding, third of all the building its self! I like things like high ceilings and a big fire. Not all these venues have everything I have listed but they are all great in there own way and you wont go wrong picking one of these!
so in no specific order as I love them all I give you my top 5 Cotswold wedding venues!
The Matara Centre
The Asian inspired Wedding Venue
This is in my Top 5 Wedding venues for a few reasons. The Asian inspired garden is certainly the centre piece of this amazing venue with the Japanese entrance, the pond in the middle overflowing with lily pads, flowers and trees it is for sure a one of a kind place. The staff are some of the friendliest I have had the pleasure of meeting . To second that epic garden is the ball room, just wow! With its high ceiling and wide open space it surely is a fantastic place for your first dance to be held.Visit them
Elmore court
The manor house
When someone says manor house to me this is exactly what I have in my mind! High ceilings wooden floors and big fireplaces and some of the most beautiful staircases. The staff are friendly and the feeling of being at home takes only minutes to set in. I can only say good things about this place and would recommend it to anyone.visit them
Clearwell Castle
The Castle wedding venue
This one isn't exactly in the Cotswolds but lets be honest everyone wants to get married in an old English castle over looking nothing but a small village and nothing else but a forest for miles around. With its grand entrance and towering heights this doses nothing but impress! It will never fall short for making any bride feel like a princess and with there extensive wedding awards they know exactly how to look after you in any wedding eventuality!visit them
Eastington park
Historic Estate house
This one really is mega! If it is accommodation you need for a massive party at your wedding this place has it nailed with its mega 33 bedrooms and what a location it is with endless spiral stairwells, mega views, epic gardens and friendly staff it truly is one of the great Cotswold wedding venues that I can assure you will be an amazing place to get married!Visit them
Kingscote barn
The old English barn
Set in the rolling hills of Gloucestershire this venue offers among some of the greatest views and most amazing sights. Its by far the smallest of the 5 wedding venues but only in size. With a great team running behind the scenes and so many fantastic photo locations the place as a whole knows how to throw a great wedding for sure!visit them
So that is it my top 5 Cotswold wedding venues I would recommend to even my closest of friends. Thank you for having a look and I really hoped this helped you out and you find the wedding venue that you are looking for.


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Ontario Fishing ForumsMar 25 2013 12:39 PM | pwadm in Ontario Fishing
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The scene opens on a young woman getting ready for a job interview. As she moves around her home, preparing for her day, she holds a coffee while reading her smartphone. Suddenly, she is startled by a call coming in and spills her coffee all over her white shirt. Disaster, right? Not this time: the shirt remains intact, unstained, and she is no worse for wear.
This is the Unstainable™ White Shirt by Elizabeth and Clarke.
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We know women everywhere love an elegant white silk blouse, but we also know (first-hand in many cases!) the fear of actually wearing it. Between making breakfast for the kids and rushing to get to work, it is hard to commit to wearing a white shirt during the day in the life of a modern woman— but not anymore. We are launching a shirt that truly meets all of your needs: it's beautiful, affordable, fit to flatter a woman's body, washable, and actually wearable in your everyday life.
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2018 RAM 2500 Performance Calls on Best-in-Class Horsepower
2018 Ram 2500 performance is a bold example of how far modern trucks have come. To explore Class-Exclusive features and Best-in-Class specs, simply read on for details on engine options, towing and payload capacity, and performance features.
RAM 2500 Engine Options
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Those with an eye on performance will be concerned with Ram 2500 towing capacity and Ram 2500 payload capacity, so here's how it breaks down by engine:
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Michelle Cataldo, LCSW, has worked as a trainer, writer, and clinician at AHP since 2005. For the prior 11 years, she did direct-service social work serving clients with HIV and AIDS for Contra Costa County. She has the pleasure of leading trainings on behalf of the California State Office of AIDS and the National HIV Classroom Learning Center, as well as on a variety of LGBTQ+ topics, including Trans Diversity and Inclusion, LGBTQ+ Health and Aging, Welcoming LGBTQ+ Patients, and Mental Health Disparities in LGBTQ+ Communities.


text: Unlike most places, Green Bay had this indescribable clearness that wouldn't be missed in any other place: the sky was stale with perverted oxygen molecules that found themselves on the soccer fields of the nearby elementary school; the sun beat down rather than shined; and there was this distinct feeling of isolation that only a whistling empty lot could make you feel. As far as the eye could see, nothing, upon nothing but perhaps trees, asphalt, and hills upon hills with green grass – on top of this were buildings made of limestone. Upon one of these hills was a plateau where my school rested, I sat on the adjacent hill, looking down from my nestled spot next to a tall elm. My grandpa told me that such elms were dying out, one by one. And this thought was like me – nestled on the adjacent hill with the bulk of my other, important thoughts elsewhere beyond that little spot. But like all my thoughts, this one particularly concerned me, as if the notion of a present danger towards this tree was there and not there all at once. Stumbling down the hill, illusions of my grandpa's bald scalp, crooked nose – then green grass, hence the word "stumbling." Perhaps this doesn't make much sense to you, and you're wondering why I'm thinking about elms when there's a school there, sitting on the plateau; but what's there is emptiness. It'd be impossible to go inside the school without getting up, and I was happy where I was. I was thinking about an elm tree, which now passed my mind, falling upon only images of my classmates playing some violent and gay game: freeze tag. There was something missing, and that was that these kids kept appearing and disappearing. Each time I looked up, they would appear and then blur out, and as I became more aware of this, they blurred into blurs of blurrity. Once a blur became into being, more things shone themselves – such as the lack of swings, so I made them be there because I like swings. And I got up to swing on them, but they weren't there. As my foot reached before me, I stumbled – stumbled hard. I hit the grass, and there I was: nestled on the adjacent hill.


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Only Kings, Queens and Gods were allowed to carry this symbol. The ankh is the Egyptian sign of life and indicates that the King or God holding it has the power to give life or take it away from lesser mortals. The Ankh as a symbol of the life giving elements of air and water was often used by a God or Goddess who holds the ankh before the King's nose, giving him the "breath of life or as streams of water in the form of ankhs running over the King during ritual purification. This ankh is decorated with the "djed pillar and the dog-headed "was scepter. The djed pillar was a symbol of stability and was considered the backbone of the God Osiris. The "was scepter was a popular one for the Gods to hold and became a symbol of well-being and happiness. The kneeling figure on top of the "djed pillar is the God of "millions of years holding branches in his hands. All this symbols together mean: "Life, power and stability for ever.
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My favorite type of semi-passive income was rental property because it was a tangible asset that provided reliable income. As I grew older, my interest in rental property waned because I no longer had the patience and time to deal with maintenance issues and tenants. Online real estate became more attractive, along with tax-free municipal-bond income once rates started to rise.
Hire someone else to manage existing income streams. If you've built up a couple of solid passive income streams and want to move on to others, consider hiring someone to manage them for you. Obviously, this will only work if your income from these streams exceeds the amount you would have to pay someone to manage them. However, this is the way to truly passive income, because with someone else managing it, you're literally earning money by doing nothing.
From what he describes, creating passive income definitely does not sound easy. It requires a serious ramp-up -- often requires 80- to 100-hour workweeks in the beginning, says Flynn. But once up and running, and depending on the content, some sites take fairly minimal maintenance. Green Exam Academy, the LEED exam study site he launched in 2008, takes just him four to five hours a month to maintain but brings in $250,000 annually.
At some point in every value chain, value has to be created by a real human. No argument there. However, who says that a human has to deliver that value? Some very smart humans put in the work to create Google, but for the most part, they don't have to do any work to deliver value to you, whether it's search results or GMail or Maps. Your landlord put in a lot of work to afford the apartment you live in, to remodel it, and even to find you as a tenant. But now, he doesn't have to do any work to deliver value to you: you wake up every morning in the apartment whether or not he works.
Selling T-shirts and other apparel is a pretty saturated market but the tools to do it are easy to use, which makes it very quick and cheap to get going. If you're creative enough, or tap into the zeitgeist properly, you can also have a runaway hit. Even if your first 19 T-shirts don't sell more than a few copies, your 20th might make up for everything.
I'm feeling inspired! I've been a PT for 19 years and I feel I have so much experience to offer but have been so intimated by starting a blog. I also subscribed to Michelle's website but wasn't sure it was for real. Is it for real? After reading this I feel like it's time to take the plunge, I need to start a blog, I have so many ideas and even course ideas. I want to get away from the paperwork that plagues our healthcare system but not leave the field so the blog just might be the answer. I've been a landlord for 15 years now, great investment for sure, renters paid for the down payment of our house and should hopefully help pay for our kids college. I'd love to have one more! Thank you for the inspiration, wish me luck with my blogging!
So, I sat down, wrote a few posts, and posted them on a simple website under the name Passive Income MD. I honestly didn't expect anyone to read it. Well, that was two years ago and so much has happened since. Most notably, I'm now in a position where I am financially independent from medicine. In fact, I've started to cut back at work in order to find that happy work-family life balance. I don't have any desire to quit medicine completely, but I do intend to retire gradually.
Maybe such a business is owning a McDonald's franchise or something. If one has the capital (Feasibility Score 2), then the returns might be good (Return Score 6). But the Risk Score is probably under a 5, b/c how many times have we seen franchise chains come and go? Like, what happened to Quiznos and Jamba Juice? A McDonald's franchise was $500,000… probably much more now?
My favorite type of semi-passive income was rental property because it was a tangible asset that provided reliable income. As I grew older, my interest in rental property waned because I no longer had the patience and time to deal with maintenance issues and tenants. Online real estate became more attractive, along with tax-free municipal-bond income once rates started to rise.
Now, with all those dog owners across the globe buying your new ebook on how to help their pit bulls lose weight with Açai cleanses (the keyword research your man in Mumbai did determined that dog training and antioxidant weight loss were hot niches)--you can just check in every once in a while to make sure your outsourced VA is facilitating the transfers from your ClickBank account over to your checking account, and while you're not working, you can hang out in whatever fine restaurant his Internet research has determined is happening this month on your particular island of Fiji.
Add Leverage (Mortgage) and you greatly increase the ROI especially from the perspective of using Rents (other peoples money) to pay down the mortgage and increase your equity in the property over time. At this point then yes price appreciation is secondary bonus and we have an arguement of how and why Real Estate can be better than Growth Stocks in some scenarios and for some investors.
If you're looking for a way to begin gradually replacing your income, these are just some of the best ways you can do it as a physician. Remember the idea of gradual retirement? Passive income streams like the ones mentioned here are perfect ways to allow you to spend more time with family, enjoy your day job more, and, of course, make a little money while you're at it.
This encompasses everything from eBooks to stock images and even Udemy courses. The idea here is to create a digital good that has value. Why digital? Well, if you're creating really unique hand-made socks, you can't just duplicate them and resell them. Furthermore, you have to pack and ship each pair. Both of these things mean that there's a fixed ratio of labor to income, and we've already discussed why that's not ideal. Digital goods can be duplicated, and we can engineer systems (or use online marketplaces) to deliver them automatically. Awesome.
5) Determine What Income Level Will Make You Happy. Think back to when you made little to no income as a student. Now think back to the days when you just got started in your career. Were you happy then? Now go over every single year you got a raise or made more money doing something else. How did your happiness change at all, if any? Everybody has a different level of income that will bring maximum happiness due to different desires, needs, and living arrangements. It's up to you to find out your optimum income level.
Be aware that before your passive income stream can start making money, you have to spend many hours creating it, including building the website itself. You must also monitor your sales to see if you must make changes, take steps to ensure that your website appears near the top of the results page of search engines, and periodically add new content to keep visitors coming back.
What I'm doing: I view passive income as funny money to keep myself sane during this long journey. I estimate 2-10 years to get to my goal depending on how active I am. The dollars created are just points one can accumulate. I've made passive income goals for each passive income type and check in at least once a year like I am now to make sure I'm on track. Passive income is also carefully managed to minimize tax liability. When you can build a buffer for a buffer, you are then free to take more risks.
I think you should use Financial Samurai to raise your passive income. You've already proven that you writing 3 articles a week is enough to not only sustain the site but grow it. Why not have more guest writers post articles? Since you started with the extra post each week I'm guessing traffic is above your normal growth rate. Leverage that up with more posts and my bet traffic will continue to grow. https://j6p9k2g4.stackpathcdn.com/wp-content/uploads/2017/11/26517147166_b9a3c48893_o.jpg
I truly believe generating $10,000 a year online can be done by anybody who is willing to dedicate at least two years to their online endeavors. Here is a snapshot of what a real blogger makes through his website and because of his website. Roughly $150,000 a year is semi-passive income followed by another $186,000 a year in active income found through his site. Check out my guide on how to start your own blog here.
Have you always wanted to own your own business? You could start a side business while you work a full-time or part-time job. For example, if you're a graphic or web designer, you could start your own graphic or web design business on the side. If you like to make jewelry, you could sell at craft fairs and online. Starting a business may be daunting, but if you believe in you and your work, you could earn a decent living, maybe even quit your day job. Search out those who are doing what you want to do and interview them. Find out the mistakes they made and ask for guidance.
Acorns: Acorns is a great way to start investing and building wealth. As it turns out, Acorns will pay you $5 to start investing with them for as little as $1. That's a 500% return, plus it's probably time you started investing for your future. They even have features like round-up and found money that allows you to get free money from places you already shop at.
Remember, the skills you have are an asset, they are your "unfair advantage." They are essential to your unique personal brand, and you can start making money online using those skills if you have the right strategy, tactics, and mindset in place. Another way to describe this is your "unfair advantage," a term I was first introduced to by Lain Ehmann in SPI Podcast Session #37.
One of the great things about generating passive income via rental properties is the ability to buy properties throughout the country instead of just in your generally locality. Because you will hire others to manage, maintain, and repair the property, you don't have to be in the same location and can maintain passive ownership from virtually anywhere. That gives you the ability to better choose rental markets where you stand the best chance of profiting the most due to lower local and state property and business taxes.
As an struggling young Engineer (back in the Carter era) I bought anything I could renovate then rent to justify paying the 18% interest. I never took vacations but worked on my properties all in the pursuit of passive income. I drove junk for many years & many months I just got by on credit cards. My friends & colleagues were amused by my 'stupidity' but most are still working to make enough for retirement.
A) Live, breathe, eat, and sleep this activity that is their passion. It's what they most care about. There's no way they'd give up this active, creative endeavor for a life of reclining on a beach chair. They cannot wait to wake up another day and spend another full day, from dawn to dusk, engaging in this project, building and creating things within this realm, giving this gift to the world. And, my guess is these people...
One aspect you might want to add to your scoring is "inflation protection". At one end, bonds and CDs generally pay a fixed nominal coupon that doesn't rise with inflation. Stock dividends and Real estate rents (and underlying property value) tend to. Not reallly sure how P2P lending ranks- though I suppose the timeframes are fairly short (1 year or less?) and therefore the interest you receive takes into account the current risk free rate + a premium for your risk. Now that I think about it, P2P lending probably deserves a lower score in the activity column than bonds too (since you probably need to make new loans more often).
One of the most important assets you have is your credit score. By taking care of it and pursuing the steps to improve your credit score, a world of opportunity can open up for you. If you need a loan to buy that rental property or some quick funding through a business credit card, a good credit score will help you get approved so you can build passive income.
Of course, there's nothing to say you can't do both. You can manage your own commercial real estate rentals and flip houses while you have someone else help manage residential rentals. You can invest in REITs and real estate crowdfunding. You'll get the higher returns of active management while benefiting from the diversification and ease of passive income through other sources.
Speaking from our own experience, you can't be a passive McDonald's franchisee. Every McDonald's potential franchisee will need to complete at least thousands of hours of training before he/she would be approved to acquire a franchise and only if he/she has the financial resources to acquire a franchise. It could take years before one would get a single store franchise. Until the franchisee eventually has acquired multiple stores and established his/her own management team, the franchisee would have to put his/her nose to the grindstone and work his/her ass off every day. I won't call it a passive investment by any stretch of imagination.
4) Treat Passive Income Like A Game. The only real way to begin your multiple passive income journey is when you are making active income. The initial funding has to come from somewhere. Hence, treat passive income as a game that has various levels. If you fail to achieve one level, it's not the end of the world since you still have active income and can restart. Furthermore, a game is meant to be played with integrity. Using shortcuts (non passive income streams), someone else's income as a supplement (spouse), or one-offs (capital gains) does not count. The primary purpose of any game is to bring enjoyment to the player and beat the boss.
In January 2018, I missed my chance of raising the rent on my new incoming tenants because it didn't come to mind until very late in the interview process. I didn't write about my previous tenant's sudden decision to move out in December 2017 after 1.5 years, because they provided a relatively seamless transition by introducing their longtime friends to replace them. I didn't miss a month of rent and didn't have to do any marketing, so I felt I'd just keep the rent the same.
What is refer-a-friend? Essentially, you make money for using a service and telling others how great it is. Most of the times, you'll get a unique link that you can share with friends directly or throughout social media. Whenever anybody clicks your link and signs up and/or makes a purchase, you'll get a bonus. The bonus can be in the form of cold hard cash or an account credit.
While building apps for Apple (or Android) mobile devices can be a lucrative way to generate passive income online, it's not as easy as many people make it seem. Beside the fact that it's hard to get your app noticed among the millions being released every year, most people expect apps to be either free or very inexpensive. In fact, a recent study found that only 11% of apps are paid for. The number of paid apps will only decline over time as more players join the market. The key, like many of the business model mentioned here, is to be strategic and creative from the very start. There are a few ways to monetize your app and keep it free for users. Examples include advertising, premium services, and sponsors.
Book sales ($36,000 a year): Sales of How to Engineer Your Layoff" continue to be steady. I expect book sales to rise once the economy starts to soften and people get more nervous about their jobs. It's always best to be ahead of the curve when it comes to a layoff by negotiating first. Further, if you are planning to quit your job, then there is no downside in trying to engineer your layoff so you can get WARN Act pay for several months, a severance check, deferred compensation, and healthcare.
I will share what we did, because it's an incredible success story. We used an existing tax loophole where if you sell your primary residence (after having lived there at least two years) you get to keep your profit tax-free. So, we stair-stepped. We bought house after house, at least two years apart, used the profit money to pay down on the next house (so on and so forth, yadda yadda) building up equity as we went along… and now, we own a $600,000 house debt-free. And now we are using our paid-off home as leverage to borrow money to buy commercial buildings to rent out. I like commercial because it's a BUSINESS transaction… kids, pets, other wear and tear that you see with residential rentals is nonexistent. People take care of their business space much better than residential. You have to be in a good area for renting out commercial – a thriving business community – to make this work. But that's how we "made it", and though it took 15 years, we will have residual income to take care of us when we're old enough to retire. People made fun of us for moving so much, but who's laughing now? 😉 Oh, and our child only had to change schools once (and we wanted to anyway) because we stayed in the same general area as we moved around. We were careful not to disrupt his life too much.
eBay is, of course, the biggest and most popular auction and shopping site out there. You pay a small insertion fee to list your product (starting from 10 cents) and a small portion of the selling price (10%) if your item sells. Currently, insertion fees for your first 50 listings per calendar month are free. Also, if you are planning to sell on regular basis, you may want to consider setting up an Ebay store. Among other things, this will allow you to list your products at reduced rates.
Nearly every "9 to 5" worker (nothing against them) is a service worker. The definition of a service is a commodity where the value is created and consumed at the same time — think massages, for example. They create value — inputting purchase orders, serving customers, managing employees, etc — for a company or employer. The employer then consumes these services simultaneously.
If you've got a book you're itching to write, you can still go with the traditional publishing route. (We published our first book using a traditional publisher.) Whether your book is fiction or non-fiction, a publisher can help get your book into print and onto shelves in both online and traditional book stores. This is still a good route, although it may take more work and be more expensive than some other options.
Passive income is defined as income-generating activity that is independent or loosely dependent on time commitment. Just so we're on the same page, here, there's no such thing as making money without creating value (I wish), and creating value takes time and effort. So, you are technically transacting time for money, in a way. But passive income is where we separate or at least alienate the proportional relationship between time spent and money made. It's where there is no longer a fixed ratio, and if there is, it's not a 1:1 ratio, but more like a 10 or 20:1 ratio of man-hours-worth-of-time to actual time. As another side note, knowing how much your time is worth both to you and on the open market is a valuable piece of information for guaging how effective your passive income activities need to be.
The term affiliate marketing has taken a bad rap over the years, primarily because people are abusing just how easy this is to do. Internet marketers are finding products they don't even use because they come with a sweet commission, and are spamming everyone until they either buy, or unsubscribe. This is also known as the dark side of affiliate marketing.
Anthony, nice setup! To your question about the rental mortgages, you haven't said what interest rate you are paying. As a start, if you are paying more than the risk free rate (Treasury bills) which you probably are, then a true apples to apples comparison would be yes, pay off the mortgage. But, if you are comfortable taking more risk, you have other options to invest in which you *hope* will yield you more over the coming years. You also didn't say whether the rentals generate net income and if so, how much? What is the implied rate of return on the equity you have invested in them? If you pay the mortgages off, you'll have even more equity tied up, will the extra net income make that worthwhile? Maybe you should use the money to buy more rentals instead, if purchase opportunities still exist in your town. … this is less of an answer than a framework to analyze the decision, hope it is helpful.
Try going to our post: 20 Sites That Will Pay You to Read Books: https://wellkeptwallet.com/get-paid-to-read-books/. Even though editing is not what this post is about, there are several companies that might do book editing such as Kirkus: https://www.kirkusreviews.com/editing-services/get-started/marketing/?utm_source=google&utm_medium=cpc&utm_term=%2Bbook%20%2Bediting&utm_campaign=Editorial-ES I hope this helps and good luck on your book!
3) Create A Plan. Mark Spitz once said, "If you fail to prepare, you're prepared to fail." You must create a system where you are saving X amount of money every month, investing Y amount every month, and working on Z project until completion. Things will be slow going at first, but once you save a little bit of money you will start to build momentum. Eventually you will find synergies between your work, your hobbies, and your skills which will translate into viable income streams.