MORE TOOLS

    I hope this site has helped you. If you would like to make any comments or suggestions, feel free to contact me through my My Space page. Thank you, JON www.myspace.com/197784846

    So you want to be financially secure. You are a student or just finished college and got a job and have an apartment. You have a few credit cards and maybe a school loan. You want the "good life" and don't want to wait forever.  It seems as if you're never "getting ahead". Your car needs expensive repairs occasionally and that sets you back. You'd like to buy a home (a house or condo) but you can't seem to save the down payment money.

     Perhaps you are middle aged and have a house but are tired of making little money and want to make Big Money, maybe you should go back to school and get a further degree (MBA, etc.) or even change careers and go to nursing school (RN in 2 years from a community college and make $25,000 / year to start - of course eventually you'll be making $50,000 / year or more).  These days, it's easy to borrow the money needed to go back to school, just go to the financial aid office of the school and they will hook you up. GO CHEAP, an MBA or an RN or any other work degree will be just as good from a cheap college as an expensive one [for all practical purposes]. There are trade schools that provide excellant training for those who want to change their occupations. Plumbing, electrician, truck driving, automotive mechanics, aircraft mechanics, barber school, cooking school (culinary arts), computer technicians, etc. The federal student loans will pay for your schooling in those areas as well. The admissions offices of these schools will help you fill out the loan applications. Dentists and doctors have jobs in their practises occasionally. Dental assistants, dental hygenists, medical/dental frontdesk persons who do scheduling and billing of insurance companies.

      Get a Real Estate license and sell houses and condominiums as a "side business" [work weekends]. There are Free real estate courses [see classifieds of newspaper or call real estate offices for info] that prepare you to take the real estate licensing exam(s). You first have to get a real estate salesman's license and then after a certain number of years, get a real estate broker's license. A salesman works for a broker. The broker gets 5% of the selling price of the home and splits it with the salesman [who gets 2 1/2%]. A million dollar home nets (at 5%) the broker $50,000 [which they get at the lawyer's office at the Closing where the "papers are passed"].

     Consider becoming a Foster Parent. These good people provide a home for a foster child in state custody. You must have a spare room, be able to pass a criminal background check and be able to cook, clean, do laundry, take the kid to the doctors and dentist, etc. You will work in close cooperation with a state social worker. The stipend [often tax free] is around $1400.00 / month. See the Classified section of the Sunday newspaper for listings. You can also call your local state office or Department of Social Services to inquire about being a foster parent. Some people take 2 or more such children. But remember, if you adopt them, you will not be paid to take care of them.

     If you get laid off at work, you can collect Unemployment Insurance while you are looking for another job. As long as you didn't quit or get laid off for good cause [improper conduct at work or insubordination], you can collect it. Your employer paid into it [by law] and it just builds up and is retained by the state unemployment office [the employer can't get it back anyways], so you  might as well take it. Just call your local state unemployment office if you get laid off. By law every employer must pay unemployment insurance for every employee [part time or full time].

     If you get injured on the job, you can collect Workman's Compensation. You will have to get a lawyer and be able to prove an injury that's job related [doctor's evaluation] and state that you will now be unable to work for some time [or forever]. You can get hundreds of thousands of dollars from workman's compensation settlements. But any fraud on your part can land you in jail if the workman's compensation investigators find you engaged in activity that shows that you weren't really injured.  By law employers must have workman's compensation insurance for every full time employee.

     If you have equity in your home there is a new financial package available to you from WWW.RexAgreement.com  that is totally different from getting an equity loan (or equity line of credit). With the RexAgreement you DO NOT have any monthly mortgage payments.  With this incredible new product you merely sign an agreement that you will share up to half of the equity that your home will accrue to the RexAgreement people when you sell your home (of course they also get back what original money they gave you when it sells). If you don't sell it within FIFTY YEARS then they'll sell it for you. THis way you get $100,000.00 or more NOW with NO monthly mortgage payment EVER. Whatever it sells for, they get their money up front and you get the rest. If you have a Reverse Mortgage and your house accrued more equity, you should be able to get money from RexAgreement as well. Look into it. This one's a Winner.  Again, as of Jan. 2010, Rex Agreement isn't giving out any more money so this is another one to watch for the future. This program has totally disappeared from the web. So keep a watch out for "fly by nighters".

     If you are under 42 y.o. you can still be able to join the military. Think about it. It's is a great career path.

     If you are college educated and under 32 y.o. you can be an IRS agent or an FBI agent or a CIA agent. Just go to www.irs.gov or www.fbi.gov or www.cia.gov for details of employment.

     If you have a college diploma in any major, think about teaching conversational english to Korean kids in Korea for a year. They give you free round trip airfare and free room (you buy food) and $25,000 to $35,000 USD for the year's employment. You must pay federal (IRS) income taxes for money earned outside the US. You can take a laptop computer with you with wireless connection (or use their dial-up internet connection if there is one in the small town or village they send you in Korea) and then have your monthly paycheck wired to your US bank account and then log on to your bank and pay all your bills online while you are over there. What with the free housing and airfare you can save $10,000 or more to bring home with you. See: www.gooddaykorea.com for details (when you get the little box that asks you to install the foreign language translater, click "cancel" the site is in english anyway for the most part. Most such sites have a little link in the top right corner that lets you click it to turn it into english anyway).

     If you are business minded, don't forget about the SBA (Small Business Administration). Every big city has a local federal SBA office that you can write and get an application to get an SBA loan to start a business. You will need collateral in most cases but this way you can open up a franchise like a "Subway" or a "McDonald's" or a "Maaco"  or a "Duncan Donuts" or any number of other well recognized businesses. A "Subway" franchise will cost you $75,000.00. See: www.sba.gov

     If you are a healthy female consider becoming a surrogate mother and carrying a fertilized egg to term and delivering. You'd be helping an infertile couple have children. You would be given handsome compensation ($18,000 to $25,000) depending on experience with extra $ for traveling, clothing, etc. For details see: www.robertnicholsesq.com

     Check out your local community college. They have several "in house" certificate programs for such things as phlebotomist (takes blood at hospitals), real estate licensure, day care provider (take care of people's kids in your home while they are at work), etc. These certificate programs may be completed in only a few months time or less.

           ***GOOD LUCK***