Working From Home – Can I Claim Any Money Back For Tax?

If you run an office from home then you can expect to have higher domestic bills. Why you may ask, well for one you will be using more electricity as you will be using your computer throughout the day and other appliances. You will also use more gas for central heating; you may even notice your water bills going up a small amount too.If you are working from home but are employed by a company then you are entitled to claim a proportion of these expenses back against your tax bill at the end of the financial year. But HM Revenue and Customs in Britain would rather that you didn’t. Back in 2005 it capped the tax relief available for gas, electric, water and phone bills to just two pounds a week for employed workers. This is as in effect by working from home you are saving your company money. The more people a company has working from home, the less it needs to spend on bills of their own such as electricity, gas, rent for premises etc.So why should the company keep those savings and expect the taxman to cover your costs? This is because it is down to your employer to reimburse you any costs by working from home, not the taxman. But alas more often than not the company will not as they see it that you are benefiting as you do not have to pay for travel costs.If you are self-employed working from home then it is a different story, and a better one. You can claim some of your home bills such as gas, electric, phone and the rent against tax. But you do need to demonstrate that your home office is only used for business purposes. So if you are working in the corner of your kitchen then I don’t think it will go down very well with the taxman. The easiest way to work out what you are entitled to is by square footage, so for instance if your home office takes up fifteen percent of your home then as a rule of thumb you can claim fifteen percent back of your bill s against tax.My advice is if you are running an office out of your home, then it is best to speak to an accountant to calculate it for you. They know the exact amounts you can claim back and how. They are the experts so ensure that you inform your accountant exactly what you use for business purposes in your home.

The Real Estate Investor’s Creative Financing Ideas

Finding Financing – Creative Ideas

For many years, the way to finance real estate was to make a 20% down payment, and get a loan for the remaining 80%. Of course you could make a higher down payment, but 20% was typically the minimum. Luckily, this standard has changed.

There are now several finance options available to the real estate investor. One popular way to finance your purchase is to have a second mortgage. The buyer makes a 5% down payment, and borrows the remaining 15%, usually at a higher interest rate, on a different loan.

Even though it’s nice to invest less on a property, the higher interest rate isn’t the only drawback. Usually, if the buyer does not meet the 20% minimum, they are required to get costly private mortgage insurance (PMI).

You are able to remove PMI when the loan-to-value (LTV) ratio reaches 80%. This is achieved by paying down the second mortgage and appreciation of the property value. This does not happen often because the property is usually sold or the buyer refinances before PMI can be removed.

For creative investors, other financing sources exist. Manufacturers of homes in planned developments are often willing to provide financing to early buyers.

Another risky and rather complicated way of financing a property is called ‘sub2′ which stands for ‘subject-to’. This type of deal is when the seller gives you the deed to the property, the loan stays in place, but the buyer never legally takes over the loan, just the payments. There are many different versions of this kind of transaction. Because of the complexity and risk, this method of funding an investment is not recommended for beginners.

You can also consider forming a limited partnership to finance your real estate investment. There are many different arrangements on this method. Some types involve each person in the partnership contributing in a portion of the cost, usually 50% each. However, sometimes the profit is distributed relative to the original amount invested. Another arrangement is that one half of the partnership contributes the capital, and the other half provides the needed services, such as repairs on a home that needs to be fixed. There are many different variations of this method.

How about the Lease Option? The lease-option allows a potential investor to lease the property and have some, or all, of the lease money applied to the purchase price if the potential buyer exercised the option to purchase. The investor then sub-leases the property with the option to buy or just rent it out.

In a conventional lease with option to buy, the seller charges the buyer a nonrefundable fee for the option to purchase the property at some agreed-upon point in time. The amount can vary depending on how eager the seller is to sell and the size and quality of the house. Typically, the higher the fee, the better the buyer maintains the property.

Because the lessee has made no down payment, the monthly rental fee is typically higher than prevailing market rates. The two parties agree on what portion of the rent will be applied to the down payment. Any amount can be credited.

Government loans are available to low income investors, or buyers who have served in the military. These programs are usually only available for primary residences.

Did you ever think about buying a home on a credit card? This is another method of financing your real estate purchase, although it’s usually not recommended. Obviously, the interest rates on most credit cards are substantially higher than loan rates. Another drawback is that lenders determine your creditworthiness based on your outstanding debt, and if you use credit card cash advances to cover the 5-20% down payment that you need, you’ll probably get turned down for a loan. This is also true for money borrowed from friends or family, unless you can show that the money is truly a gift.

Lights! Camera! Action! Make Money Online With Video Marketing – How to Make Money Videos!

Many affiliate marketers are now using video marketing in their efforts to make money online with their home-based businesses. Video marketing is the latest tool in the toolbox of affiliate marketers and is being used widely for any business that can be advertised online. You can become a video marketing success by following the tips in this article.

Producing videos that have good quality content on a regular basis is almost expected by your customer base who are seeking new ways to view your product and to decide if they want to buy. The more videos you have uploaded on YouTube the more likely you are to experience success in your marketing campaigns.
If you produce your own videos as opposed to outsourcing them you must be confident when recording your ad copy. Customers can feel the confidence in your voice, so it has to be well-delivered and professional and your content has to keep their attention while they are viewing your video. Include your website address at the beginning of your description field using good and proper HTML techniques. By doing this with all your videos, you will make it easier for your viewer to click on your link and be taken immediately to your website where the sales copy can take over to sell your prospect. Always include your primary keywords in your description tag as well as alternate keywords so that the search engines will look favourably on your site and rank it high.

Always start your video by telling your viewers what they are going to learn by watching the video, or review your product if your video is a review type video that explains the benefits of purchasing your product. Target your videos to the specific audience that you are niche marketing to and be informative and believable. The more believable you are on the video the longer they stay viewing it and the likelier they are to purchase your product.

An effective video is one that is both visually appealing as well as pleasing from an auditory perspective. Always write a script for your video beforehand so that when you record it, it will sound natural and flow easily. Use appropriate language in your script as well as visual imagery to engage your viewers and keep them glued to the video.

Brevity is a desired characteristic of any good video. nothing is worse than a video that is too long, or takes too long to get to the point of it. One of the best ways of learning how to make money online with video marketing is to learn how to do this well. You can make a lot of money online by producing good quality and goo content videos in your advertising campaigns for all your affiliate programs.

Brevity is the norm for well-produced videos that make a point to the audience. Your videos should be no more than three minutes in length and should not reveal or disclose everything about your offer. Leave something for the viewer to read when he is directed to your sales page otherwise there is no need for any viewer to go there after viewing your video. The old adage KISS – keep it simple silly – works well in all cases. Keep it simple and your video will carry your message well.

Be honest in your videos. Your viewers will quickly sense whether you are being honest with them or if your are trying to pull the wool over their eyes. Visualize that you are speaking to a professional audience and they will sense your sincerity which will go a long way to achieving credibility with your viewers. Be yourself, but never disclose anything too personal about yourself. You are trying to win over a sale, not make friends with your viewers.

Include a tagline prominently somewhere in your web page. You have about eight seconds to capture your viewer’s attention and a tagline will help you captivate him immediately. If a viewer spends more than eight seconds on your site, chances are they will become a buyer. That is just statistics. Always include a link to your homepage on every page of your site so that your visitors can always navigate their way to that home page, otherwise they may leave pre-maturely if they get frustrated with any navigation problems they encounter. The sizes of your files should also be kept to a minimum so as not to delay the loading of your web page. Web pages that take too long to load are quickly exited by the visitors who find their way to them.

Powerful video marketing campaigns have a distinct advantage over any other form of social media like Facebook and Twitter. whereas they are text in nature, video marketing is visual in nature and can convey something in real time that the others cannot. Most people are visual as opposed to readers, so a good video will always be preferred to text based social media.

A good title is extremely important for your video. Always incorporate one or two of your targeted keywords in your video’s title so that the search engines swallow it up.

Finally, take the time to write a compelling and convincing call to action that will motivate your viewer to click on your link and be taken to your sales page. A good call to action is a must when ending your video preparation so take the time to do this well. If the purpose of your video is to entice the viewer to do something other than buy your product – such as rating it, or providing feedback – then ask them to do just that. Every well-prepared video ends with a good call to action, so make sure that yours end in this manner as well.

Conclude your video with a strong call to action to the viewer. Ask them to click on your link and to visit your website. Ask them to rate your video. Ask them to share your video. Ask them to do something. Do everything right and your video has a chance to go viral and to also be reviewed by others who would chose to comment on it because they like it so much. That would bring additional traffic to your site in the form of backlinks and other viewers.

These tips can help you to make more money online with video marketing techniques. Video marketing is a phenomenon that is here to stay and how to make money videos can help you to make money online if you incorporate this technique into your advertising campaigns.

If you would like more free information on how to use videos in starting or expanding your home based business, or for hundreds of YouTube videos that you can view to help you get started online, click here.